COBRA
COBRA Made Simple: Notices, Timelines, and Billing
When coverage ends, COBRA can allow employees and dependents to continue benefits temporarily. The main risk is missing notices or deadlines.
- Know the qualifying events (termination, hours reduction, divorce, etc.).
- Track the 60‑day election window and premium timelines.
- Send timely general and election notices using the latest model language.
- Coordinate with carriers and payroll for accurate billing.
Quick checklist:
- Map your full notice flow (who sends what, and when).
- Centralize COBRA documents and proof of mailing.
- Check whether your state has a mini‑COBRA and when it applies.
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