When does the COBRA election date occur?

The COBRA election date is specifically tied to the event that triggers the right to elect continued coverage under COBRA, which is usually when a qualifying event occurs. This means the correct choice focuses on the action taken by the individual – specifically, when the individual submits their application for a COBRA election.

When someone experiences a qualifying event, such as job loss or a reduction in hours that affects health insurance coverage, they must then notify the plan. The election period begins from the date they submit that application, giving them a defined timeframe (usually 60 days) to choose whether to continue their coverage under COBRA.

Understanding this timeline is critical for individuals so they do not miss the opportunity to continue their health benefits after a qualifying event. The other options do not accurately reflect the basis of the COBRA election date as they relate to different triggers or conditions unrelated to the action of electing COBRA coverage.