Cobra Election Rules
Description
How to fill out COBRA Continuation Coverage Election Form?
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FAQ
Qualified beneficiaries must be given an election period of at least 60 days during which each qualified beneficiary may choose whether to elect COBRA coverage. This period is measured from the later of the date of the qualifying event or the date the COBRA election notice is provided.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
Election Period: The 60 day period following the date COBRA notice was provided to elect COBRA coverage. QB (Qualified Beneficiary) must elect COBRA during the Election Period. Initial Grace Period: The 45 day period following the date QB elected COBRA coverage.
If you are entitled to elect COBRA coverage, you must be given an election period of at least 60 days (starting on the later of the date you are furnished the election notice or the date you would lose coverage) to choose whether or not to elect continuation coverage.
If your COBRA payment is not made in a timely manner, or within the 30-day grace period then you are risking termination of your COBRA rights and coverage.