Can COBRA be retroactive to the loss-of-coverage date?

• A. Yes, if the first premium is paid on time, coverage is generally effective back to the date of loss of coverage.
• B. No.
• C. Only for the first month.
• D. Only if the employer approves.

Answer: (A)

The main idea here is that COBRA continuation coverage can start as if it never stopped, but only if you pay the first premium on time. When a qualifying event ends coverage, you’re offered COBRA to continue benefits. If you elect COBRA and the initial premium is paid within the permitted deadline, the coverage is treated as effective back to the date of loss of coverage. That retroactive effect protects you for the period from the loss date up to when the premium is paid and coverage begins. If the first premium isn’t paid on time, that retroactive treatment doesn’t apply and the coverage would start later (or not at all). The choice reflects this timing requirement, not employer approval or a limit to just the first month.