Fill and Sign the Cobra Notice Timing Delivery Chartus Legal Forms

COBRA NOTICE TIMING/DELIVERY CHARTDOL regulations for timing and delivery of COBRA notices Notice Description Timing Delivery methods GeneralPlan administrator sends information to help participants understand their basic rights and responsibilities under COBRA.No later than 90 days after group health plan coverage begins.If employee or spouse has QE during 90-day period, general notice obligation is satisfied when plan administrator provides timely election notice.Send to covered employee and spouse (may send single notice if same address).First class mail, hand delivery (for employee only; spouse must be separately notified), SPD, or electronically.ElectionPlan administrator notifies QBs of COBRA rights and election information after a QE occurs.No later than 14 days after plan administrator receives employer notice (for multi- employer plans, at the end of the period specified in the plan). If employer self- administers, 44 days after QE (or loss of coverage*). All potential QBs must receive the notice.Same as delivery rules for general notice.Employer notice to plan administratorEmployer notifies plan administrator of these QEs: employee termination, reduction in hours of employment, death, enrollment in Medicare; employer bankruptcy. Not applicable if employer self-administers.No later than 30 days after QE (or loss of coverage, if applicable*).As desired by employer and plan administrator. Notice Description Timing Delivery methods QB notice to plan administratorEmployee or QB (or anyone acting on their behalf) notifies administrator of these QEs: divorce, legal separation, loss of dependent status, second QE, SSA disability determination.The later of the date QB is informed of the responsibility to provide notice, (through the furnishing of the general notice or SPD) or: 60 days after QE (or loss of coverage*); or60 days after SSA disability determination, but no later than the end of the first 18 months of COBRA coverage. For a notice of change in disability status: 30 days after final SSA determination that person is no longer disabled; or the date QB is informed of the responsibility (and procedures) to provide notice, through the furnishing of the general notice or SPD. Reasonable procedures for submitting notice must be in place.Administrator may require specific form.The provision of the notice by one person (employee, QB, or representative) satisfies the notice requirements for all.Ineligibility If a plan administrator receives a QB notice from a person not eligible for COBRA, the plan administrator sends the person notice of the ineligible status.Same as election notice — no later than 14 days after receiving QB notice.First class mail, hand delivery (employee only), or electronically.Early termination If COBRA coverage will end early, the plan administrator sends a notice to affected QBs.As soon as practical after administrator’s termination decision.First class mail, hand delivery (employee only), or electronically. May be combined with certificate of creditable coverage.*For many plans, the duration of COBRA coverage and the deadlines for providing notices are measured from the date of the QE that leads to loss of coverage (e.g., termination of employment). However, if coverage continues for some period after the QE (e.g., through the end of a month), plans can elect to measure from the date coverage is lost.Source: Washington Resource Group and the Information Research Center; Mercer Human Resource Consulting; http://wrg.mercerhr.com; 202-263-3950