How many days do patients have from the qualifying date to apply for COBRA?

Patients have 60 days from the qualifying date to apply for COBRA (Consolidated Omnibus Budget Reconciliation Act) coverage. This time frame is established to allow individuals who lose their health insurance coverage due to specific qualifying events—such as job loss, reduction in work hours, or other life events—to assess their situation and decide whether to continue their health insurance through COBRA.

The 60-day period begins on the date of the qualifying event or the date that the individual is notified of their rights to COBRA coverage, whichever is later. This duration is designed to strike a balance between giving individuals enough time to make an informed decision and ensuring that the coverage remains timely and relevant.