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What is the grace period for COBRA health insurance?

After you are established on your COBRA coverage, ongoing monthly payments are due the first day of each month. There is a grace period of 30 days from the due date for ongoing monthly premium payments. If you mail your payment, it must be postmarked within the 30-day grace period.

What is the COBRA loophole for 60 days?

You have 60 days to enroll in COBRA once your employer-sponsored benefits end. Even if your enrollment is delayed, you will be covered by COBRA starting the day your prior coverage ended.

What happens if I miss the COBRA deadline?

Meet the Deadlines If you are eligible for Cal-COBRA and did not get a notice, contact your health plan. If you miss the deadline, you may lose the chance to sign up for Federal COBRA or Cal-COBRA. Call the Help Center if you have any questions.

What if I am late on my COBRA payment?

If you fail to make any payment before the end of the initial 45-day period, the plan can terminate your COBRA rights.

Can COBRA be backdated?

IRS Excise Tax Penalty Employers may be fined $100 per day for each qualified beneficiary affected by the non-compliance, or $200 per day per family. This penalty applies for each day the employer fails to offer or administer COBRA coverage properly.