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Consolidated Omnibus Budget Reconciliation Act (COBRA)

How to Enroll

Employees are responsible for notifying University Payroll and Benefits (UPB) when experiencing a COBRA qualifying event. You or your covered dependent must notify UPB within 60 days of the date of the event or the date on which coverage would end, whichever is earlier. Failure to notify UPB will result in disqualification of COBRA continuation coverage.

Benefits then notifies Central Management Services (CMS) that a qualifying event has occurred. Within 14 days of notification, CMS sends the employee or qualified dependent a letter explaining COBRA rights, an enrollment form, and premium payment information. If a letter is not received within 30 days, and you notified UPB within the 60 day period, you should contact CMS immediately for information.

Individuals have 60 days from the date of the COBRA eligibility letter to elect enrollment in COBRA and 45 days from the date of election to pay all premiums. Failure to complete and return the enrollment form or to submit payment by the due dates will terminate COBRA rights. If the enrollment form and all required payments are received by the due dates, coverage will be reinstated retroactive to the date of the qualifying event.

Notes about electing COBRA:

  • Each qualified beneficiary has individual election rights. The employee may elect individual or family coverage, or the covered spouse and dependents may elect COBRA coverage for themselves.
  • The COBRA Administration Unit sends only one notification letter per household for all qualified beneficiaries. If the spouse or dependent children live at another address, please notify the COBRA Administration Unit so that a separate notification can be sent.
  • Newborns, a newly-adopted child or newly-acquired Spouse may be added to existing COBRA coverage. Contact CMS for more information.

Tell me about:

What is COBRA?
COBRA qualifying events
Cost & Premium payment
COBRA termination
COBRA questions
CMS COBRA Information and Cost


Maintained by University Human Resources | Contact Information | Last Update: 21-September-2017 | ID: 51