When is payment due for COBRA after submitting the application?

The correct timing for payment due after submitting a COBRA application is 45 days following the election of COBRA coverage. When someone elects to continue their health insurance under COBRA, they must make their initial premium payment within this 45-day window. This is a critical time frame because it provides individuals who have lost their health benefits with a fair opportunity to gather the necessary funds and ensure their coverage continues without interruption.

Furthermore, subsequent monthly premium payments for COBRA coverage are generally due on the first of the month following the end of the prior coverage period, but these are typically required to be paid within 30 days after the due date. The initial payment is distinctly established at 45 days to offer ample time for individuals to manage the transition during what can be a financially challenging period. This nuance in the timing underscores the importance of understanding COBRA regulations for both individuals and employers.