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Home :: FAQ :: Cobra Coverage

When and how must payment for COBRA continuation coverage be made?

First payment for continuation coverage. If you elect continuation coverage, you do not have to send any payment with the Election Form. However, you must make your first payment for continuation coverage no later that 45 days after the date of your election (the date the Election Notice is post-marked). Your first payment should cover the cost of continuation coverage from the time your coverage under the Plan would have otherwise terminated up to the time you make your first payment. You are responsible for making sure that the amount of your first payment is correct. You may contact Your benefits coordinator to confirm the correct amount of your first payment. If you do not make your first payment for continuation coverage in full no later than 45 days after the date of your election, you will lose all continuation coverage rights under the Plan.

PLEASE NOTE: Continuation coverage will not be reinstated until the completed Election Form(s) AND first payment are received and processed by your benefits coordinator. A returned check fee will be charged for checks returned for non-sufficient funds.

Periodic payments for continuation coverage:
After you make your first payment for continuation coverage, you will be required to make periodic payments for each subsequent coverage period. The current amount due for each coverage period for each qualified beneficiary is shown in this notice. The periodic payments are to be made on a monthly basis. Payment is due on the first day of each coverage month. Monthly invoices are normally sent between the 15th - 20th prior to the coverage month. However, you still responsible for mailing your payment should you not receive an invoice due to postal delays or mishandling. Coverage will normally be terminated if payment is not received timely. Not receiving an invoice will not be accepted as a reason for late- or non-payment. Coverage will not be reinstated.