How Long Do I Have To Elect COBRA Coverage?
I have heard about COBRA election being under time restrictions. How long do I have to elect COBRA coverage?
60 Days
If you are eligible to choose COBRA coverage, you have a period of at least 60 days, from the date you receive the election notice or the date you will lose coverage to choose whether to continue coverage or not.
When Do I Receive The COBRA Election Notice?
45 Days
After the qualifying event that would end your group health insurance, your employer is required to notify the health plan within 30 days. Then, the plan must provide COBRA coverage paperwork to you within 14 days for you to elect continuation or formerly waive your rights.
QUICK CHECK
COBRA Eligibility
COBRA Third-Party Administrators
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- ADP COBRA
- BASIC COBRA
- BAS' COBRA Control Services
- BenefitConnect EHR
- Businessolver / BenefitSolver
- BRI COBRA (Benefits Resource)
- bswift COBRA
- COBRAPoint Benaissance
- Employee Benefits Corp (EBC)
- HRPro
- Inspira Financial (formerly Payflex)
- iSolved Benefit Services
- Lifetime Benefit Solutions
- National Benefit Services
- Navia Benefit Solutions
- Optum Financial
- Paychex
- Paycom COBRA
- Paylocity
- PlanSource
- ThrivePass
- Total Administrative Service Corporation (TASC)
- WageWorks / Conexis
- WEX (formerly Discovery Benefits)
If you are unsure who your plan administrator is, reach out to the human resources department of the company that provided the health insurance you had.
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