Know the COBRA notice deadlines — Business Management Daily: Free Reports on Human Resources, Employment Law, Office Management, Office Communication, Office Technology and Small Business Tax Business Management Daily

Know the COBRA notice deadlines

Get PDF file

by on
in Small Business Tax

Q: My wife was just laid off from her job. She was told she'd receive a package in the mail about COBRA health insurance. It's been more than a week, and it hasn't arrived. Is this breaking the law? K.B., Hillsborough, N.J.?

A: No. A group health plan has 14 days after receiving notice from the employer about an employee's "qualifying event"—in her case, the layoff—to provide you with a COBRA election notice. If the employer is also the plan administrator, it technically has 44 days (30 days after the 14-day period is up) to provide the election notice. Since the law is a bit murky, most plan administrators make it their business to provide notification sooner. Key point: She has 60 days to decide to elect COBRA coverage. That 60-day period starts on the later of these two events: the date of coverage loss or the date you received COBRA notification.

Related Articles...

Leave a Comment

Previous post:

Next post: