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COBRA 101

How To Apply For COBRA Due To Divorce

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12/19

Step 1: Notify Your Employer

It is your duty to promptly notify your employer of your divorce within sixty days of the divorce. When you give your employer notice, confirm the current mailing address for your former spouse.

Step 2: Employer Notice

Your employer must give your former spouse written notice of his or her rights under COBRA within 14 days after being notified.

Step 3: Former Spouse's Notice To Employer Or Plan Administrator

Your former spouse must notify the employer or plan administrator that he or she wants to continue health coverage within 60 days after the date of your divorce or the date he or she is notified of his/her COBRA rights, whichever is later.

Step 4: Pay the first premium

Your former spouse has up to 45 days after giving the COBRA enrollment form to your employer or plan administrator to make the first premium payment, which includes premiums back to the date of the divorce.


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