Within how many days after a qualifying event must the election notice be provided to each qualified beneficiary?

• A. 30 days
• B. 44 days
• C. 60 days
• D. 90 days

Answer: (B)

After a qualifying event, the plan administrator must provide an election notice to each qualified beneficiary within 44 days. This window starts from the date of the qualifying event (such as termination of employment or a reduction in hours) and applies to all individuals who were covered at the time of the event. The notice explains COBRA rights, how to elect coverage, and the cost. The 44-day deadline ensures timely information so beneficiaries can decide promptly, while framing the start of the COBRA enrollment process. (Note: once the notice is provided, there is a separate 60-day period for actually electing COBRA, running from the notice date or the date coverage would end, whichever is later.)