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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?

The employer who provides group health insurance has up to 45 days from the last day of coverage to send you a COBRA election notice to enroll back into the same plan. This enrollment notice may come directly from the employer or a third-party administrator they may use to manage health insurance continuation.

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.

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Common Third-Party Administrators

Your COBRA plan may be managed by a third-party administrator. Many employers work with the following:

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.

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