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What is a Cobra initial notice?

The initial notice, also referred to as the general notice, communicates general COBRA rights and obligations to each covered employee (and his or her spouse) who becomes covered under the group health plan.

Do initial Cobra notices need to be mailed?

The initial notice is required to go to covered employees and their covered spouses within 90 days of enrollment (there's no requirement to provide the notice to children). Also, remember that COBRA initial notices must be sent by mail and addressed to both the covered employee and the covered spouse (if applicable).

Do Cobra notices have to be mailed?

COBRA notices that the employer or plan administrator must furnish include: ... The election notice, which must be provided to qualified beneficiaries within 14 days of the administrator being notified of a COBRA-qualifying event.

Who should receive an initial Cobra notice?

The general notice describes general COBRA rights and employee obligations. This notice must be provided to each covered employee and each covered spouse of an employee who becomes covered under the plan. The notice must be provided within the first 90 days of coverage under the group health plan.

What is Cobra initial notice?

DOL regulations include specific detailed requirements for the contents of the notice and the timing of its delivery. The initial notice communicates to plan participants their COBRA rights and obligations and must be furnished by the plan administrator within 90 days after coverage begins.

How long does an employer have to send out Cobra paperwork?

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. Qualified beneficiary has 60 days from the date of the notification to make an election to continue enrollment in the plan(s).

When should cobra notice be sent?

COBRA Election Notice The election notice must be provided to the qualified beneficiaries within 14 days after the plan administrator receives the notice of a qualifying event.

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. Qualified beneficiary has 60 days from the date of the notification to make an election to continue enrollment in the plan(s).

Does Cobra coverage begin immediately?

Regardless when in the enrollment period you complete the form and pay your premiums, COBRA coverage always begins the day after your standard coverage ends. In most cases, employer-sponsored coverage ends the last day of the final month of your employment, meaning COBRA begins the first day of the following month.

What is a Cobra letter?

a ready-made letter that requires that you fill in the blanks with your employee's name and address, the name of the insurance plan/company, and the name of the plan administrator. ... clear directions about what employees can expect and what they must do should they wish to take advantage of COBRA coverage in the future.

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