FAQs >COBRA Alternatives >How long do COBRA continued benefits... How long do COBRA continued benefits last? Beneficiary Qualifying Event Term Employee Spouse Dependent Child Voluntary or involuntary termination of job (other than termination for gross negligence) Reduction of work hours 18 months Employee Spouse Dependent Child Termination or reduction of work hours + disability that is certified by the Social Security Administration 29 months Spouse Dependent Child Divorce or legal separation Death of employee Loss of "Dependent Child" status Employee enrollment in Medicare 36 months