BenefitsLink logo
EmployeeBenefitsJobs logo
Get the BenefitsLink app for iPhone and iPad LinkedIn
Twitter
Facebook
Search the News


Featured Jobs
Retirement Sales Specialist
Implementation Specialist
Senior Plan Administrator
Retirement Plan Administrator
401K Administrator
Retirement Plan Administrator
Senior Retirement Plan Consultant
Retirement Services Manager
Qualified Plan Specialist
Senior Benefits Actuary/Consultant
ERISA Attorney
Search all jobs
 

 
 
 

Jump to content


Photo

Gaming COBRA?


  • Please log in to reply
2 replies to this topic

#1 Benny Guy

Benny Guy

    Registered User

  • Registered
  • 27 posts

Posted 31 January 2012 - 09:35 AM

I read the COBRA time frames... 60 days to elect, then 45 days after the election to submit premiums during the initial COBRA start.

So what happens if an employee takes 55 days to elect (about 2 months), then doesn't pay the premiums, but they have submitted claims to insurance, and the insurance refuses to refund the premiums back because of those claims? As an administrator, when must I re-enroll the COBRA participant? Upon receiving the first premium check, or upon receiving the election? If it is upon receiving the election, we could be left with paying premiums for a deadbeat COBRA participant!

#2 Clements

Clements

    Registered User

  • Users Awaiting Validation
  • 2 posts

Posted 06 February 2012 - 08:11 AM

Most plans I've worked on don't enroll in COBRA until the first payment is received. Whenever I'm counseling someone about COBRA, I mention that he or she should consider sending payment in with the election form for that reason.

#3 matthew222

matthew222

    Registered User

  • Registered
  • 40 posts

Posted 28 February 2012 - 02:41 PM

Most plans I've worked on don't enroll in COBRA until the first payment is received. Whenever I'm counseling someone about COBRA, I mention that he or she should consider sending payment in with the election form for that reason.


I agree. Most administrators do not enroll someone in COBRA for just this reason. Electing COBRA is really a 2-step process: notifying the administrator of your desire to continue coverage and paying the necessary premiums.