In most cases you may be eligible for COBRA for your healthcare plan unless you were terminated for cause.  Federal COBRA applies to a Client company with 20 or more employees and Florida Mini-COBRA applies to a Client with less than 20 employees.  You will have 60-days to decide to enroll or decline participation in Federal COBRA and only 30-days to decide for Florida Mini-COBRA.

Upon receipt of your Federal COBRA Notification, you will need to complete the form and return it to the COBRA Administrator – NOT to Simple HR.  You will then have 45 days to remit your premiums for the full amount due to the COBRA Administrator.  You may have an extra 30-days grace period but you should carefully read your notification.

All premiums are generally due on the first of every month with a 30-day grace period accepted.  Failure to pay the premium by the end of the month will result in your loss of COBRA – without any notification by the Administrator.  This is legal according to federal COBRA regulations.  Even if you accidentally forget to mail your premium or if it is lost in the mail, your coverage will not be reinstated.

Federal COBRA will only last for 18 months for a former participant and up to 36 months for their dependents (if previously covered).