COBRA Deadline Calculator

COBRA Deadline Calculator

Calculate all critical COBRA deadlines instantly

Never miss the 14-day election notice deadline again

Calculate Your COBRA Deadlines

The type of event determines the coverage duration

The date the qualifying event occurred (e.g., last day of employment)

Leave blank if same as event date

Often the last day of the month in which the event occurred

Determines whether federal or state rules apply

Required for mini-COBRA calculations

Your COBRA Deadlines

⚠️ Critical Warning

Missing the 14-day election notice deadline results in $110/day penalties per affected person. This deadline cannot be extended.

Coverage Timeline

Regular Coverage
Election Period
COBRA Coverage

Understanding COBRA Deadlines

Employer Deadlines

  • 30 days: Notify plan administrator of qualifying event
  • 14 days: Send election notice after notification
  • 90 days: Provide general notice to new enrollees

Employee Deadlines

  • 60 days: Notify plan of divorce/dependent loss
  • 60 days: Elect COBRA coverage
  • 45 days: Make first payment after election

Coverage Periods

  • 18 months: Termination/hour reduction
  • 29 months: If disabled (SSA determination)
  • 36 months: Other qualifying events

Never Miss a Deadline Again

HRMax tracks all your COBRA deadlines automatically and sends alerts before critical dates

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Email Alerts

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Dashboard Tracking

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Compliance Reports

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Audit Ready

Start Tracking - $25/month