Q: It is my understanding that if we give a general/initial COBRA notice to the employee, it is not considered to be delivered to the spouse, if any, and should be mailed to the home. The notification requirements states that if the notice is incorporated in the SPD that the obligation is met. How is the obligation to deliver to the spouse met if we are giving the SPD to the employee? Should we be mailing the SPD? Is it best to always mail the general/initial notice?