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How to Apply for COBRA Continuation Of Your Health Insurance

How To Apply For COBRA Due To Any Other Reason

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Step 1. Employer notice to employee

Your employer or plan administrator must notify the health plan administrator (which is sometimes the employer) that a COBRA Qualifying Event has occurred within 30 days of the event. The plan then must notify you within 14 days of your right to continued coverage.

Step 2. Employee notice to employer or plan administrator

You must then notify the employer or any company that administers the plan (the plan administrator) that you want to continue health coverage within 60 days after the later of:

  • The Qualifying Event, or
  • The date you're notified of your rights.

Step 3. Pay the first premium

You have up to 45 days after giving the COBRA enrollment form to the employer or plan administrator to make the first premium payment -- which includes premiums back to the date when the regular group coverage ended.

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