What Happens When Your Employer Doesn’t Send A COBRA Election Notice?

Someone told me that if I quit my job and my employer doesn’t give me a notice saying I can receive COBRA then they would have to pay for medical expenses that I have acquired since then. Is this true?

Your employer has up to 45 days from your last day of work or the last day your group benefits end to send you a COBRA election notice to enroll in coverage. During this time you will pay any occurred medical bills until the enrollment form gets processed. Then, you will be reimbursed based on the employer’s policy and limits from the insurance company.

If You Do Not Receive Your COBRA Paperwork

Your first step should be to contact the employer that the health insurance is through to obtain your COBRA enrollment forms. Reach out to the Human Resources Department and ask for the COBRA Administrator. They may use a third-party administrator to handle your enrollment.

If the employer still does not comply you can call the Department of Labor at 1-866-487-2365. There are stiff fines for companies who do not adhere to the COBRA law.

Find out if you qualify


COBRA Eligibility

Employer No Longer Pays The Premium

Your previous employer is not responsible for your medical bills. If the employer’s health plan administrator doesn’t provide you the opportunity to elect COBRA coverage, by law, they will be fined by the US Department of Labor. When you continue on your former group health plan, you pay your portion, the subsidy the employer paid and a 2% administration fee.

Temporary and Affordable Health Plans

We are COBRAinsurance.com — a private health insurance agency, established in 2001, that publishes online information on how the federal COBRA law works. We also provide an alternative to COBRA if it is unavailable or you simply can not afford it. You can remain insured and have health coverage for new illnesses or injuries with Short-Term Medical Insurance

Call For Advice: 1-877-262-7241

Get A Quote On Short-Term Medical Insurance

This Article Also Answers the Following Questions :

  • When Does Your Employer Notify You For COBRA?
  • The COBRA Election Notice
  • Employer Paperwork Notification
  • COBRA Enrollment Form
  • Employer Enrollment Information
  • Documents for COBRA

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