Benefits Administration
COBRA, Retiree & Consolidated Billing
Eagles provides full-service administration for COBRA continuation coverage, retiree benefit billing, and consolidated carrier billing — all under one roof, all with a human touch.
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.
What We Administer
Two distinct but complementary services — both delivered with Eagles' signature hands-on approach.
Retiree Billing
Managing benefit billing for a retiree population requires precision, patience, and a human touch. Eagles handles direct billing, payment collection, and eligibility management so your retirees stay covered and your HR team stays sane.
- Direct billing to retirees for continuation of group benefits
- Automated monthly invoicing and payment processing
- Online payment portal for retirees
- COBRA coordination for retiree populations
- Medicare coordination and secondary coverage tracking
- Dedicated retiree support line — no phone trees
- Annual enrollment support for retiree populations
- Eligibility and termination management
Consolidated Billing
Instead of juggling invoices from a dozen carriers, Eagles consolidates all your benefit billing into a single, reconciled statement — giving your finance team clarity and control over benefit spend.
- Single consolidated invoice for all benefit lines
- Reconciliation across multiple carriers and vendors
- Detailed reporting by department, location, or cost center
- Electronic funds transfer (EFT) and ACH payment options
- Self-billing and list-billing administration
- Discrepancy identification and resolution
- Custom billing cycles to match your payroll schedule
- Integration with HR and payroll systems
The Eagles Difference
Why Employers Choose Eagles
Direct Dial Access
Your team and your retirees get direct phone numbers — no automated phone trees, no runaround.
Dedicated Account Teams
A consistent team that knows your plan, your retirees, and your billing structure inside and out.
Accurate Reconciliation
We catch billing errors before they become problems, saving employers time and money every month.
Custom Reporting
Detailed, actionable reports tailored to your organization's structure and reporting needs.
Ready to simplify COBRA and billing administration?
Eagles takes full ownership — from the first qualifying event notice to the last premium reconciliation. Call us or send a message to get started.