In the context of group disability coverage, continuation privileges allow up to eighteen months of coverage under which option?

• A. Twelve Months
• B. Twenty-Four Months
• C. Six Months
• D. Eighteen Months

Answer: (D)

Continuation privileges let you keep group disability coverage for a temporary period after you lose eligibility, such as when you leave a job. The period is designed to bridge a gap until you arrange other coverage or long-term disability benefits begin. The standard maximum for this continuation is eighteen months, which provides enough time to transition without keeping the employer’s plan in place indefinitely. To use this option, you typically pay the premium yourself and meet any notice or election deadlines, with coverage continuing under the same terms.

Six months is often too short to cover most transitions, twelve months is common in some contexts but not the standard for disability continuation, and twenty-four months is longer than what's usually allowed. Eighteen months aligns with the typical continuation limit for group disability coverage.