Which is not a requirement for COBRA elections?

• A. A universal form must be used
• B. There must be a qualifying event
• C. There must be a 44-day notice
• D. Election period can be up to 60 days

Answer: (A)

COBRA elections hinge on three things: a qualifying event that creates the right to continue coverage, a notice that explains that right, and a time window to elect that coverage. There isn’t a single universal form required to make the election. Plans can use their own notice formats or forms as long as the notice includes the required information and meets timing rules. That’s why using a universal form is not a requirement. The other elements—the qualifying event, the 44-day notice period for providing COBRA rights, and an election window of up to 60 days—are the actual requirements that govern how COBRA elections work.