What actions must be taken after a qualifying event?

• A. The plan must provide an election notice within 44 days and maintain records of elections and premium payments
• B. Premiums must be reduced
• C. Employee must enroll within 10 days
• D. Coverage ends immediately

Answer: (A)

After a qualifying event, the plan administrator must send a COBRA election notice within 44 days and keep records of elections and premium payments. The election notice lays out the beneficiary’s right to continue coverage, how to elect, the cost (premium amount and any admin fee), the length of the continuation, and the deadlines to elect and pay. Keeping records of who has elected COBRA and the status of premium payments ensures proper administration and compliance.

Why the other options don’t fit: COBRA premiums aren’t required to be reduced; rather, beneficiaries may be charged the applicable premium (often up to 102% of the full cost). There isn’t a separate 10-day enrollment requirement for the employee to enroll. And coverage does not end immediately—the point of COBRA is to extend coverage for a limited period if premiums are paid.