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How long does an employer have to send out a cobra notice?

The initial notice of rights and benefits in the health plan is required within 90 days of the employee's coverage. If there are changes to the plan, the employer must give notice within 210 days after the year in which the changes take place. If benefits or coverage are being reduced, the notice period is 60 days.

How long does the employer have to send Cobra notice?

Employer has 30 days from the loss of coverage to notify the plan administrator. * Plan Administrator has 14 days to provide a COBRA election notice to the former employee/qualified beneficiary.

What is the penalty for not sending Cobra notice?

Employers who fail to comply with the COBRA requirements can be required to pay a steep price. Failure to provide the COBRA election notice within this time period can subject employers to a penalty of up to $110 per day, as well as the cost of medical expenses incurred by the qualified beneficiary.

Do Cobra notices have to be mailed certified?

Employers should send notices by first-class mail, obtain a certificate of mailing from the post office, and keep a log of letters sent. Certified mailing should be avoided, as a returned receipt with no delivery acceptance signature proves the participant did not receive the required notice.

Does Cobra coverage begin immediately?

Assuming one pays all required premiums, COBRA coverage starts on the date of the qualifying event, and the length of the period of COBRA coverage will depend on the type of qualifying event which caused the qualified beneficiary to lose group health plan coverage. In that case, COBRA lasts for 18 months.

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

The election notice must be provided to the qualified beneficiaries within 14 days after the plan administrator receives the notice of a qualifying event. The election notice should include the following information: The name of the plan and the name, address and telephone number of the plan's COBRA administrator.

Do Cobra notices have to be mailed?

Notices properly mailed are generally considered provided on the date sent, regardless of whether they're actually received. 1. COBRA Initial Notice must be provided. Within 30 days after the employee first becomes enrolled in the group health plan.

Can Cobra notices be provided electronically?

Although the earlier rules only covered summary plan descriptions (PDS) and summary annual reports, the final rules provide that all ERISA-required disclosure documents can be sent electronically -- this includes COBRA notices as well as certificates of creditable coverage under the Health Insurance Portability and

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