COBRA Administration manages continuation coverage for qualifying events under ERISA and the Consolidated Omnibus Budget Reconciliation Act.

• Record a qualifying event to initiate the COBRA process
• System auto-calculates election deadlines (60 days)
• Premiums are set at 102% of the group rate

• Termination: 18-month max (unless disability)
• Hours Reduction: 18-month max
• Death/Divorce/Medicare: 36-month max for dependents
• Dependent Loss: 36-month max
• Disability Extension: Up to 29 months if SSA-certified

• General Notice: Within 90 days of coverage start
• Election Notice: Within 14 days of employer notifying plan
• Employer must notify plan within 30 days of event
• Employee has 60 days to elect from notice date
• First premium due within 45 days of election

• Premium = 102% of applicable cost (100% + 2% admin)
• Grace period: 30 days after due date
• Disability extension: up to 150% in months 19–29
• Export invoices for mailing or EFT setup

• Send notices via certified mail for documentation
• Track disability certifications separately (SSA Form)
• Coordinate with payroll for timely event reporting
• Terminate COBRA upon Medicare entitlement or new group coverage