COVID-19


COBRA Standard COBRA Timeframes New Temporary Relief for COBRA Timeframes due to National Emergency*
Grace Period to pay premiums Initial Premium – Due within 45 days of making initial COBRA election.
Ongoing Monthly Premiums - Due on first of calendar month for that month. For example, premium for the month of July is due on July 1. Grace period allows payment to be made within 30 days, by July 31.
Premium payment can be delayed until 60 days after the end of the National Emergency.
Election Period to sign up for COBRA coverage 60 days from the COBRA qualifying event date or the date of the election notification. Elections can be delayed until 60 days after the end of the National Emergency.
Notice of Second Qualifying Event 60 days to notify COBRA administrator of the second event in order to extend COBRA coverage from 18 to 36 months. Secondary qualifying event notifications can be delayed until 60 days after the end of the National Emergency.
Disability Extension Request 60 days to notify COBRA administrator after receiving disability determination from the SSA in order to extend COBRA coverage from 18 to 29 months. Disability determination extensions can be delayed until 60 days after the end of the National Emergency.
All delays in both elections and payments will result in suspended coverage.
*The end date of the National Emergency is unknown at this time.


U.S. Department of Labor Issues COVID-19 Relief and Guidance for Employee Benefit Plans
https://www.dol.gov/newsroom/releases/ebsa/ebsa20200428

EBSA Disaster Relief Notice 2020-01
https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/disaster-relief/ebsa-disaster-relief-notice-2020-01

Extension of Certain Timeframes for Employee Benefit Plans, Participants, and Beneficiaries Affected by the COVID-19 Outbreak
https://www.federalregister.gov/documents/2020/05/04/2020-09399/extension-of-certain-timeframes-for-employee-benefit-plans-participants-and-beneficiaries-affected

U. S. Department of Labor COVID-19 FAQs for Participants and Beneficiaries
https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/faqs/covid-19.pdf

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