COBRA Notice Generator
Generate All COBRA Notice Types in 2 Minutes
⚠️ Missing Deadlines = Expensive Penalties
14 days to send election notice = $110/day DOL penalty
30 days for qualifying event = $100/day IRS excise tax
COBRA Notice Timeline & Requirements
Day 1: Coverage Begins
90 Days to Provide General Notice
Must inform all covered employees and spouses about their COBRA rights. This is your first compliance obligation.
Qualifying Event Occurs
30 Days to Notify Plan Administrator
Employer must notify the plan administrator of termination, reduction in hours, death, or Medicare entitlement.
Plan Administrator Notified
14 Days to Send Election Notice
The most critical deadline. Missing this triggers $110/day penalties. Must include all required information.
Election Period
60 Days for Employee to Elect
Qualified beneficiaries have 60 days from notice date or coverage loss date (whichever is later) to elect COBRA.
All COBRA Notice Types - One Simple Generator
📋 General Notice
Required for all new enrollees
When: Within 90 days of coverage
Who: All covered employees & spouses
Penalty: $110/day per person
- Explains COBRA rights
- Contact procedures
- Plan information
✉️ Election Notice
Most critical & time-sensitive
When: 14 days from qualifying event
Who: Qualified beneficiaries
Penalty: $110/day + lawsuits
- Coverage options
- Premium amounts
- Election procedures
🔔 Qualifying Event Notice
Triggers the COBRA process
When: 30 days from event
Who: Plan administrator
Penalty: Process delays
- Event details
- Affected individuals
- Coverage dates
⏰ Early Termination Notice
When COBRA ends early
When: As soon as possible
Who: COBRA participants
Penalty: Compliance issues
- Termination reason
- End date
- Appeal rights
💰 Payment Notice
First & ongoing payments
When: After election
Who: New COBRA enrollees
Penalty: Coverage gaps
- Payment amounts
- Due dates
- Grace periods
📍 Extension Notice
Disability & second events
When: Upon qualification
Who: Eligible participants
Penalty: Lost rights
- Extension eligibility
- Documentation needed
- New end dates
Calculate Your Penalty Risk
💸 COBRA Penalty Calculator
See how much a missed deadline could cost your company:
Your Potential Penalty:
$0
Avoid this risk for just $25/month with HRMax
Why HR Teams Choose HRMax
| Feature | Manual Process | Law Firm Templates | Expensive TPA | HRMax |
|---|---|---|---|---|
| Time per notice | 45-60 minutes | 30 minutes | 15 minutes | 2 minutes |
| Monthly cost | $0 (but time cost) | $500+ one-time | $100-300/month | $25/month |
| Always updated | ✗ | ✗ | ✓ | ✓ |
| State mini-COBRA | ✗ | Sometimes | ✓ | ✓ |
| Audit trail | ✗ | ✗ | ✓ | ✓ |
| Unlimited notices | ✓ | ✓ | Per-notice fees | ✓ |
Real Results from Real HR Teams
"We had a reduction in force affecting 47 employees. Using HRMax, I generated all COBRA notices in under 2 hours. Without it, I would have spent 3 full days on paperwork. The DOL audit went smoothly because everything was documented."
HR Director, TechStart Inc.
Saved 22 hours on one RIF event
Join 127+ HR Departments Using HRMax
Notices Generated
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Stop Risking Penalties. Start Saving Time.
Generate perfect COBRA notices in 2 minutes. Every time.
Just $25/month
- ✓ All notice types included
- ✓ Unlimited notices
- ✓ No per-employee fees
- ✓ Federal & state compliance
- ✓ 7-day free trial
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