Skip to main content
January 22, 2025
Question

I was injured in an attack and off work for 6 months due to injury. I was released from my job, causing my HDHP to expire. Is this a coverage lapse due to disability?

  • January 22, 2025
  • 1 reply
  • 0 views
No text available

    1 reply

    January 22, 2025

    It depends on your injury.

     

    The IRS says:

    Disabled

    An individual is generally considered disabled if the individual is unable to engage in any substantial gainful activity due to a physical or mental impairment that can be expected to result in death or to continue indefinitely.

    See Form 8889 Instructions.

     

    If your injury disabled you and this led directly to the loss of the HDHP coverage, then I would say that the answer to your question is "yes". But you need to be able to defend this to the IRS, if they ever ask. That means document what you have now, because it is always harder to go back and do this years later when the IRS gets around to noticing.

    **Say "Thanks" by clicking the thumb icon in a post**Mark the post that answers your question by clicking on "Mark as Best Answer"