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COBRA Notice Requirements

1/3/2026

A COBRA notice is a legally required written communication that employers or plan administrators must provide to employees and their dependents under the Consolidated Omnibus Budget Reconciliation Act (COBRA). These notices inform individuals of their rights to continue group health insurance coverage after losing it due to certain qualifying events (like termination, divorce, or reduction in hours). COBRA requires several written notices, including:
  • Initial COBRA Rights Notice (given when employee first joins plan)
  • Qualifying Event Election Notice
  • Termination of COBRA Coverage Notice
    • cobra administration training course
A COBRA notice should include:
  • What coverage is available to continue under COBRA rules
  • How long COBRA coverage could last
  • The cost of COBRA coverage
  • How to elect or end COBRA coverage
Make sure notices:
  • Follow DOL model language (available on the DOL website)
  • Are sent via first-class or certified mail (if via first-class mail, be sure to document the mailing date)
  • State costs, coverage, and election procedures