Skip to main content

COBRA Administration and Premium Billing FAQ

Upon receipt of required information, the process generally is completed within 10 to 15 business days for a group with less than 100 insured members. For a group with more than 100 insured members, a customized implementation schedule will be provided.

Lifetime Benefit Solution has a comprehensive Implementation Guide that provides step by step instructions and itemizes the required information to seamlessly implement COBRA and/or Premium Billing administration. Our team is always available to assist or answer questions on the process as well.

Lifetime Benefit Solutions will assign a client to a team of COBRA and Premium Billing Administrators. The team will collectively provide all day to day services that are required.  During the implementation phase, a direct dial telephone number as well as the team’s email is provided.

There are several ways to notify Lifetime Benefit Solutions of COBRA events. If you wish us to process the information on your behalf, we have two standard formats that can be used. The first is an email notification in which you would email your COBRA specialist directly. The second is electronic file submission in which you would post a weekly file to our secure file sharing website for retrieval and processing. For a more streamlined process, we offer our clients online access to our system with which you can input the data directly so Lifetime Benefit Solutions can generate a COBRA notification letter.

Yes. The LBS COBRA & Premium Billing mobile app allows members to access and manage their plan 24/7 through intuitive design and navigation while on the go, right in the palm of their hand. Available to download for free in the App Store for iOS devices, and in Google Play for Android devices.

We can remit the premiums two ways. The first would be to send the money back to you for reconciliation and payment to the carrier(s). The second would be to remit the money to the insurance carrier on your behalf. This option would require that you have a separate COBRA group set up with the carrier so an invoice could be sent to Lifetime Benefit Solutions for payment. We can also set up a combination of both options if necessary as there are some carriers who will not accept payment from a third party payer.

Yes, we can coordinate Open Enrollment for all active members if requested. There may be an additional charge for this service. If engaged to perform this service, the enrollment material would need to be provided to Lifetime Benefit Solutions. Our office will organize the mailing to the members and facilitate any changes that may result accordingly.

Yes, website training is provided during the implementation process at no additional cost. In addition to the personalized training, there is a user manual and video tutorials available on the website.

The only thing you need to remember is to terminate all active coverage for employees and/or dependents that need to be offered COBRA and notify Lifetime Benefit Solutions to process the COBRA notice. We will handle the rest for you!

You can reach a dedicated Customer Service Representative Monday - Thursday 8:00 AM to 5:00 PM (EST) or Friday 9:00 AM to 5:00 PM (EST) by calling our toll-free number at 1-800-828-0078, or use the "Contact US" option at 

Call our toll-free number at 1-800-828-0078 or use the Contact option at

Existing clients will be provided a direct telephone and email contact during the implementation process.

Hours of operation are 8:00 AM to 5:00 PM. (EST)

For COBRA Members, a coupon book will be included during the enrollment process.  Although monthly premium payments are most common, payment due dates can be weekly, monthly, quarterly or annually.

For Premium Billing Members, an invoice will be issued and mailed to the member.  Although monthly premium invoices are most common, invoices  can be issued weekly, monthly, quarterly or annually. Generally, the monthly invoice is issued on the 11th of each month for the upcoming month.

Clients have the flexibility to determine the participant’s grace period for payment. Traditionally, the grace period to pay the invoice is 30 days.

Lifetime Benefit Solutions will provide forms including a New Client worksheet and Benefit Plan sheet for each plan that we need to bill to the participant.

We ask for a 90 day implementation process. This is to ensure the collection of data and set-up is correct and fully tested.

This information can be provided to your assigned billing specialist via email, fax or if there is a large volume, we can set up electronic file transfers of information.

Yes, you will be assigned a premium billing specialist and a backup specialist.  In the event that your specialists are unavailable, any of the staff members will be able to assist you.

Lifetime Benefit Solutions can bill monthly, quarterly, bi-annually or annually. All rates in the account must be billed at the same frequency.

Participants can reach a dedicated Customer Service Representative Monday - Thursday 8:00 AM to 5:00 PM (EST) or Friday 9:00 AM to 5:00 PM (EST) by calling our toll-free number at 1-800-828-0078, or by sending an email to [email protected] 

Voluntary Benefits: Everything You Need. Nothing You Don’t.

We map our customizable benefits to your individual needs. Learn more about why Lifetime Benefit Solutions is the best choice for you.

Get To Know Us