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How and when to enroll

How and when to enroll

To elect COBRA coverage, enroll online or by phone. Instructions for making an election are also included at the top of the COBRA Election Instructions Form you receive in the mail based on your eligibility. 

Qualified beneficiary coverage

Each Qualified Beneficiary has an independent right to elect COBRA coverage (for example, the employee's spouse may elect COBRA coverage even if the employee does not). COBRA coverage may be elected for some or all Qualified Beneficiaries (for example, an employee may elect COBRA coverage for some but not all their dependent children).

  • A parent or legal guardian may elect COBRA coverage on behalf of any Qualified Beneficiary minor child. 

  • The employee or the employee's spouse may elect COBRA coverage on behalf of all Qualified Beneficiaries. 

  • A Qualified Beneficiary may not decline COBRA coverage for another adult Qualified Beneficiary.