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What is a Cobra Election Notice and when is it required to be sent to a qualified beneficiary?

Plans must give each qualified beneficiary at least 60 days to choose whether to elect COBRA coverage, beginning from the date the election notice is provided, or the date the qualified beneficiary would otherwise lose coverage under the group health plan due to the qualifying event, whichever is later.

What is a Cobra Election Notice?

The insurance company. COBRA Election Notice. After receiving a notice of a qualifying event, the plan must provide the qualified beneficiaries with an election notice within 14 days. The election notice describes their rights to continuation coverage and how to make an election.

What is a Cobra notice?

COBRA election notice to include health exchange information. An election notice explaining the right to continuation of coverage must be provided by a group health plan to qualified individuals within 14 days after the plan administrator receives notice of a qualifying event.

When must a Cobra Election Notice be sent?

COBRA ELECTION NOTICE After receiving notice of a qualifying event, the plan administrator must notify qualified beneficiaries of their right to elect continuation coverage under COBRA. The election notice must be provided no later than 14 days after the plan administrator's receipt of the notice of a qualifying event.

Why am I getting a cobra notice?

A: There are a few reasons you've received a Cobra Notification. Most commonly you will receive the following letters: Qualifying Event: At the end of your employment or because of reduction of hours (not maintain full-time status) you will receive this letter.

How do I notify a cobra employee?

When a qualifying event occurs. Your business must notify the employee of their COBRA rights within 14 days of the qualifying event with an election notice. The employee then has 60 days to decide whether they want to continue coverage.

Does your employer have to offer you cobra?

COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) is a federal law that requires employers of 20 or more employees who offer health care benefits to offer the option of continuing this coverage to individuals who would otherwise lose their benefits due to termination of employment, reduction in hours or

What if an employer fails to offer Cobra?

Generally, when an employer fails to offer COBRA coverage, it must send the election notice and offer the coverage retroactively. However, if the offer is extremely late meaning the maximum coverage period has ended the employer may offer coverage going forward.

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