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?
If you haven’t received your election notice, your first step should be to contact the employer that the health insurance is through to obtain your COBRA enrollment forms.
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COBRA Eligibility
COBRA Election Notice Instructions
In general, the COBRA election notice informs you on who will now manage your coverage, how to enroll, the premium costs, where to pay and how long the plan is available to you.
Employer Penalties
If the employer does not comply with COBRA you can call the Department of Labor at 1-866-487-2365. The DOL may impose fines on companies who do not provide continuation of health insurance per the COBRA law.
Common Third-Party Administrators
Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:
- WageWorks / Conexis
- BenefitConnect EHR
- Discovery Benefits / WEX
- TASC
- Employee Benefits Corp (EBC)
- Lifetime Benefit Solutions
- Navia Benefit Solutions
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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*Eligibility for short term medical insurance is based on age and state availability.