Employer Insurance Continuation Election Notice
Companies are required to notify you within 45 days from when you lost insurance coverage. It’s your choice to continue or waive your right to the COBRA health benefit.
COBRA Coverage Is Retroactive? Yes it is.
After your former employer sends you the COBRA election paperwork, you then have 60 days to respond. Don’t worry, if something happens between now and then, the insurance coverage is retroactive to the date that you lost coverage.
Continuing Coverage Is Expensive
Your previous employer isn’t responsible for your medical bills which includes the full insurance premium. You will pay all of the COBRA premium.