What is an election notice under COBRA?

• A. Document the plan administrator must send to qualified beneficiaries after a qualifying event, informing them how to elect to continue health care coverage under COBRA
• B. Notice to plan participants about changes in deductible amounts
• C. Notice of premium increases only
• D. Notice of plan termination to all employees

Answer: (A)

The main idea here is that an election notice is the formal document a plan administrator must send to qualified beneficiaries after a qualifying event, telling them they have the option to continue health coverage under COBRA and how to do it. This notice lays out what COBRA coverage would cost, how to elect the continuation coverage, the deadline to elect, and how long the coverage can last. It’s specifically about giving the beneficiary the information and process to elect COBRA, not about other plan changes or premium increases that don’t relate to continuing coverage. In short, this notice is the official guide for how to elect COBRA continuation coverage after a qualifying event.