Which statement about COBRA forms is true?

• A. Plans use their own approved notices and procedures
• B. There is a universal form used by all plans
• C. A form is not necessary for elections
• D. Only electronic forms are allowed

Answer: (A)

Plans use their own approved notices and procedures. COBRA requires plan administrators to provide notices that explain the right to elect continuation coverage, the cost, duration, and how to elect, and these notices must fit the plan’s specific coverage and enrollment processes. While many plans may use model language or templates, there is no universal form shared by all plans—the form and procedures are tailored and approved for each plan. A form is indeed needed to make an election, and both paper and electronic formats are allowed as long as delivery and record-keeping requirements are met.