How many months can a surviving spouse and dependents continue group health coverage under COBRA after an employee's death?

The correct answer is based on the provisions of the Consolidated Omnibus Budget Reconciliation Act (COBRA), which allows certain former employees, retirees, spouses, and dependent children to temporarily continue their health coverage at group rates. When an employee passes away, the surviving spouse and dependents are entitled to a continuation of health coverage for a period of up to 36 months. This extended coverage ensures that families facing the loss of a primary breadwinner can maintain access to health care during a challenging time.

COBRA coverage provides crucial support for families by allowing them to continue their insurance without interruption, giving them time to plan for their future healthcare needs. The 36-month provision specifically applies not just to surviving spouses but also covers dependent children, ensuring comprehensive support within the family unit.

The duration of coverage varies based on the qualifying event, which is why other choices such as 18 months or 24 months may be applicable under different circumstances, such as termination of employment or reduced hours, but do not apply to the situation of a death in the family.