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COBRA is always retroactive to the day after your employer coverage ends. So, youll need to pay your premiums for that period too.
If you qualify, your coverage begins immediately. Visit HealthCare.gov or call 1-800-318-2596 (TTY 1-855-889-4325) for more information or to apply for these programs.
The Initial General COBRA Notice provides a summary of the covered individuals rights, options, and notification responsibilities under the COBRA law. This notice must contain the following information: Description of COBRA terms. Name of the employee, spouse/domestic partner, and *dependent children.
So Why Did I Receive a COBRA Continuation Notice from My Employer? If your employer is required to send notices to employees within 90 days of their plan enrollment, you can expect to receive a notice within 90 days of signing up for an employer-sponsored health plan.
If you enroll in COBRA before the 60 days are up, your coverage is then retroactive, as long as you pay the retroactive premiums. This means that if you incur medical bills during your election period, you can retroactively and legally elect COBRA and have those bills covered.
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COBRA Qualifying Events | Events That Will Trigger COBRA termination of a covered employees employment (other than for gross misconduct); a reduction of a covered employees hours of work causing a loss of coverage; the covered employees death; a divorce or legal separation from the covered employee;
As of this date, we have not received your COBRA premium payment for the month of [month]. If your grace period of 30 days expires, please accept this letter as notice that your COBRA continuation coverage will be terminated as of [last coverage date for last month for which payment was received].
Draft a letter stating facts why the COBRA benefits must be reinstated. The letter must provide your full legal name, address, Social Security number and COBRA policy number. The letter should be in proper business format and is best if free from all spelling and grammatical errors.
4. When does COBRA continuation coverage start. COBRA is always effective the day after your active coverage ends. For most, active coverage terminates at the end of a month and COBRA is effective on the first day of the next month.
COBRA coverage lets you pay to stay on your job-based health insurance for a limited time after your job ends (usually 18 months). You usually pay the full premium yourself, plus a small administrative fee. Contact your employer to learn about your COBRA options.

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