COBRA and state continuation

COBRA Election and payment

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General COBRA Timeline

Example Timeline

Notification of Qualifying Event

Elise and her spouse’s medical and dental coverage terminates at the end of May.

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14 days

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Election Notice

Must be provided within 14 days.

Elise and her spouse receive their Election Notice on June 15th.​

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60 days

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COBRA Election

Must occur within 60 days of receiving the election notice

Elise and her spouse elect medical coverage (but not dental) on August 1st.

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45 days

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First COBRA Premium Payment

Must be submitted within 45 days of electing COBRA​

Elise and her spouse have until September 14th to pay the first premium payment for June, July and August.

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In This Example, All Subsequent Payments Are Due On The First Of The Month. 

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Subsequent COBRA Premium Payments

Must be submitted within 30 days of the due date​

Elise and her spouse must make their September premium payment no later than September 30th.