Department of Labor and Regulation

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COBRA FAQ — When must qualified beneficiaries be notified?

Within 14 days after the plan administrator receives the notice of a qualifying event under COBRA, qualified beneficiaries must be notified of their right to elect continuation coverage.

The election notice must include:

  • The name of the plan and the name address and telephone number of the plan's COBRA administrator;
  • Identification of the qualifying event;
  • Identification of the qualified beneficiaries (by name or by status);
  • An explanation of the qualified beneficiaries' right to elect continuation coverage;
  • The date cover will terminate (or has terminated) if continuation coverage is not elected;
  • How to elect continuation coverage;
  • What will happen if continuation coverage is available, for how long, and how it can extended for disability or second qualifying events;
  • How continuation coverage might terminate early;
  • Premium payment requirements; including due dates and grace periods;
  • A statement of the importance of keeping the plan administrator informed of the addresses of qualified beneficiaries; and
  • A statement that the election notice does not fully describe COBRA or the plan and that more information is available from the plan administrator and in the SPD.

A model election notice can be found on the U.S. Department of Labor website.

Back to COBRA frequently asked questions

Division of Insurance
124 S. Euclid Ave., 2nd Floor
Pierre, SD 57501
Tel. 605.773.3563
Fax. 605.773.5369