COBRA Deadline One-Pager: Who Notifies Whom and By When

After a layoff or resignation, the COBRA clocks start and no one is sure who sends what. This one-pager puts the employer, family, plan administrator and employee steps on one timeline, with the day count and the official source for each. The Excel calculator turns one event date into every deadline.

Who it is for

• Owners and managers handling a layoff or resignation
• HR and benefits staff who track notices
• Bookkeepers who run benefits renewals

What is inside

• One-page PDF timeline and roles table, plus a worked example, coverage lengths and a sources page (3 pages in all)
• Excel deadline calculator that shows each date, the days left and a passed flag
• The 20 employee rule, the 30, 14, 44, 60 and 45 day clocks, and 18, 29 and 36 month coverage periods

The problem it solves

Missed COBRA notices create penalties and disputes. A single page with the clocks and a calculator keeps the dates in front of you.

What it is not

It covers federal COBRA only. State continuation laws can differ, and your plan documents can add time. It is not legal advice.

Formats

PDF and Excel (.xlsx) in one download.

Important notice. Template and reference. Not legal advice. Prepared by McKinley Malbrough III, J.D., who is not a licensed attorney. Rules change and differ by state, so check the current rule where you work. Built with AI assistance, then edited and reviewed by the author. No result is promised.

Refunds. If this product is not what you expected, write to me within 14 days of purchase and I will review a refund.

These are general HR tools, not legal advice. For a situation with legal stakes, talk with an employment attorney.