Making a COBRA Election
Once MILA receives Notice of your Qualifying Event, it will send you a Notice of your right to elect COBRA Continuation Coverage. You will have up to 60 days from the date of the Notice to elect coverage and an additional 45 days from the date you elect coverage continuation to pay the initial COBRA premium. The initial premium due is equal to the total of all premiums due from the date coverage was lost until the end of the month in which the premium is paid. The election form will provide the current cost for COBRA Continuation Coverage.
COBRA Continuation Coverage will not begin unless timely election to continue coverage is made and all initial premiums due are paid. COBRA Continuation Coverage will begin retroactive to the date coverage was lost. Each Qualified Beneficiary has a separate and independent right to elect COBRA coverage. This means that each Qualified Beneficiary can decide for himself/herself whether to continue coverage.
If your rights to continuation coverage end (for example, because you did not timely elect or you did not pay the required premium), MILA will notify you of the date that this has occurred. If your COBRA continuation rights end for any reason, they may not be reinstated.
