Q: When should an employee be notified of their COBRA rights?
A: All participants and their beneficiaries of the group health plan must be informed about their COBRA rights when they are first covered by the plan. After they have received their initial letter they must be informed after each qualifying event. A qualified beneficiary must notify either the employer or the plan administrator no more than 60 days after the qualifying event (such as a divorce, legal separation, a death, loss of dependent status). The administrator or employers are not expected to be aware of the change until they are notified by the beneficiary. If you are not made aware of the changes then all COBRA rights for the beneficiary can be terminated and coverage could end.
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