CES COBRA and Continuation Coverage 2

Question 1

What is the grace period for paying COBRA premiums once a payment is due?

Accepted Answer

30 days

Answer

COBRA requires a minimum 30-day grace period for premium payments; plans may offer a longer grace period but not shorter.

Question 2

An employer must notify the plan administrator of a qualifying COBRA event within how many days?

Accepted Answer

30 days

Answer

Employers must notify the plan administrator within 30 days of a qualifying event such as termination of employment or reduction in hours.

Question 3

When is COBRA coverage considered to begin for an electing beneficiary?

Accepted Answer

On the date coverage would otherwise have been lost

Answer

COBRA coverage is retroactive, beginning on the date the qualified beneficiary would have lost coverage due to the qualifying event.

Question 4

A qualified beneficiary who is disabled at the time of COBRA election may extend coverage for up to:

Accepted Answer

29 months

Answer

A disabled qualified beneficiary (under SSA determination) can extend COBRA from 18 to 29 months, with a premium up to 150% during the extension.

Question 5

Which of the following terminates COBRA coverage before the maximum period expires?

Accepted Answer

The beneficiary becomes covered under another group health plan with no exclusion for pre-existing conditions

Answer

COBRA terminates early when the qualified beneficiary becomes covered under another group health plan that does not impose a pre-existing condition exclusion for the condition.

CES - Certified Enrollment Specialist Practice Test

CES - Certified Enrollment Specialist Practice Test

CES COBRA and Continuation Coverage 2