COBRA Deadlines and End Date
COBRA notice, election, first-payment and coverage-end dates.
Open the tool → Runs in your browser. Data leaves only if you deliberately send a problem report from the interactive tool.
Example
- Qualifying event
- Job loss or reduced hours
- Date of the event
- 2026-08-31
- Employer is also the plan administrator
- No
- Date of the election notice
- 2026-09-20
- Date COBRA was elected
- 2026-10-15
Result: COBRA can last 18 months after the event, to February 29, 2028 (26 CFR 54.4980B-7); elect by November 19, 2026.
The tool opens with these values already filled in. Replace them with your own.
What you enter
- Qualifying event
- Date of the event (YYYY-MM-DD)
- Date coverage is lost, if later (YYYY-MM-DD)
- Employer is also the plan administrator
- Date of the election notice (YYYY-MM-DD)
- Date COBRA was elected (YYYY-MM-DD)
- Disability extension
How this is calculated
Citation
29 CFR 2590.606-2 and 606-4 (notices: 30, 14 or 44 days); 26 CFR 54.4980B-6 (election at least 60 days), 54.4980B-7 (18, 29 or 36 months), 54.4980B-8 (first payment 45 days after election; 102 or 150 percent). Read the source ↗
A reference and educational tool. Not medical, legal, or financial advice, and not a substitute for clinician judgment.