Benefits Administration
COBRA Administration
COBRA compliance is complex, deadline-driven, and unforgiving. Eagles handles every notice, every payment, and every carrier coordination — so you never miss a step.
What Is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) requires employers with 20 or more employees to offer continuation of group health coverage to employees and their dependents who lose coverage due to a qualifying event — such as termination, reduction in hours, divorce, or a dependent aging off the plan.
COBRA administration is one of the most compliance-sensitive areas of benefits management. Missed notices, incorrect timelines, or improper premium collection can expose employers to significant penalties. Eagles eliminates that risk.
Qualifying Events We Handle
- Voluntary or involuntary termination of employment
- Reduction in hours below benefit eligibility threshold
- Employee death (coverage for dependents)
- Divorce or legal separation
- Dependent child aging off the plan
- Medicare entitlement of the covered employee
- Employer bankruptcy (for retirees and dependents)
- State continuation (mini-COBRA) for smaller employers
Full-Service COBRA Administration
Qualifying Event Notices
We send all required notices — initial rights notices, qualifying event notices, and election notices — within IRS-mandated timeframes.
Premium Billing & Collection
We invoice COBRA participants, collect premiums, and remit payments to carriers — handling all the back-and-forth so your team doesn't have to.
Carrier Coordination
We communicate directly with your insurance carriers to add, maintain, and terminate COBRA participants — ensuring seamless coverage continuity.
Compliance Tracking
We track election periods, payment grace periods, and coverage end dates — and alert you to any compliance risks before they become problems.
State Continuation (Mini-COBRA)
Many states have continuation coverage laws that apply to employers with fewer than 20 employees. Eagles administers state mini-COBRA alongside federal COBRA.
Audit Support
In the event of a DOL audit or employee dispute, Eagles provides complete documentation of all notices sent, elections received, and payments processed.
Key COBRA Deadlines
Missing these deadlines can result in significant penalties. Eagles tracks every one.
Don't let COBRA compliance keep you up at night.
Eagles takes full ownership of your COBRA administration — from the first qualifying event notice to the last premium payment. Call us to learn how we can protect your organization and serve your former employees.