COBRA Timeline

  • Day 1: Event Date

    The event date is the date on which an employee experiences a COBRA-qualifying event. Common COBRA event types include Termination, Divorce/Legal Separation, Reduction in Hours, and Death.

  • 30 Days: Event Notification Deadline

    Employers have 30 days from the employee’s event date to notify 24HourFlex, but this generally takes place much closer to the event date. Once 24HourFlex is notified, we will generate and mail the COBRA Specific Rights Notice Letter to the qualified beneficiary.

  • 60 Days

    The member has 60 days from the postmark date on the COBRA Specific Rights Notice Letter to elect coverage. If no election is made by this deadline, COBRA is no longer available to that individual. 24HourFlex will send confirmation to the member upon enrollment.

  • 45 Days: First Premium Payment Deadline

    It is recommended that the first payment be submitted with enrollment, but it is not required. The member has 45 days from his/her enrollment date to make the initial payment.

  • 10 Days: Carrier Reinstatement

    It generally takes 7-10 days from the receipt of the initial payment for the plans to become active with the carriers and for the coverage to go into effect.

  • 30 Days: Subsequent Payment Deadline

    Each monthly premium must be paid within 30 days of the first of the month. To avoid any lapses in coverage due to payments received close to deadline, please send your payments as soon as you are able.

  • 18 Months: COBRA Duration

    COBRA is designed to run for a maximum of 18* months. If you would like help obtaining coverage after your time on COBRA, please contact our partners at They can be reached by phone at 1-888-818-5609.

    *COBRA may be extended under certain circumstances. Please contact our customer service team at 303-369-7886 for eligibility requirements.