Your Responsibilities under COBRA

If you wish to continue your coverage under COBRA, you must complete an election form and submit it to your employer within 60 days of the two occurrences listed below, whichever is later:

  • Date you’re no longer covered; or
  • Date you’re notified of the right to elect COBRA continuation coverage.

In addition, you or your dependents must notify your employer in the following circumstances:

If coverage for you or your dependent is being continued for 18 months under COBRA, and it’s determined under Title XVI of the Social Security Act that you or your dependent was disabled on the date of, or within 60 days of, the date that would have caused coverage to terminate, then you or your dependent must notify your employer of such determination. Notice must be provided:

  • Within 60 days of the determination of disability.
  • Within 30 days of any determination that you or your dependent is no longer disabled.

If coverage for a dependent were to terminate due to your divorce or a legal separation, or the dependent’s ceasing to be a dependent under the plan, then you or your dependent must provide notice to your employer of the event. This notice must be given within 60 days after the later occurrence:

  • Date of the qualifying event; or
  • Date coverage would terminate due to the occurrence of the event.

For additional important information, we encourage you to read: