How are COBRA notices delivered to beneficiaries?

• A. By mail
• B. Only in person
• C. By mail or other method specified by the plan
• D. Only electronically

Answer: (C)

COBRA notices must be delivered in a way that reasonably ensures the beneficiary actually receives them. While mailing is the traditional method, a plan can specify alternative delivery methods as well. If the plan has a procedure for delivering notices through another method (such as electronic delivery) and the beneficiary has consented (where required), those methods are acceptable. So, notices can be sent by mail or by any method the plan specifies. This flexibility helps ensure timely and reliable delivery, leveraging modern communication channels when allowed. The options that limit delivery to only in person or only electronically don’t capture this practical flexibility.