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HR & ComplianceUpdated 2026-04-30

COBRA

A federal law requiring employers with twenty or more employees to offer continued health coverage to terminated employees and qualifying dependents.

In more detail

COBRA applies to employers with twenty or more employees offering group health plans. On a qualifying event (termination, hour reduction, divorce, dependent loss of eligibility), the affected individual gets the right to elect continued coverage at their own cost for a defined period.

Notice timing is strict. The employer or plan administrator must send the COBRA election notice within fourteen days of receiving notice of the qualifying event. Late notices are a common compliance failure.

Where this shows up at Ceven

Ceven's offboarding workflow fires the COBRA notice automatically as part of the termination fan-out, with the election deadline tracked on the dashboard until the former employee responds.

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