Top Five Questions to Ask About COBRA Administration
COBRA administration often happens behind the scenes—but that doesn’t mean it should be out of mind. If you're unsure how things are being managed, or whether your approach is truly meeting your needs, it might be time to take a closer look.
At Lifetime Benefit Solutions, we believe benefits should be about people—not just plans. That means making sure your COBRA administration is clear, compliant, and confidently managed—not a source of costly risk or unnecessary stress.
Whether you're reviewing your current setup or exploring new options, these five essential questions can help ensure your COBRA strategy is working for you.
1. Can you show proof of compliance with all COBRA notification deadlines?
Missing a single notice deadline can cost up to $110 per day per violation—and that’s before you factor in IRS excise taxes or potential litigation. A trustworthy COBRA administration solution should include timestamped documentation of all notices sent, with real-time reporting available at your fingertips.
2. How are COBRA premiums collected and processed—and how quickly?
Premium collection is more than a back-office task—it’s a compliance issue. Delays or errors in payment processing can create liability for your company. At Lifetime Benefit Solutions, we process payments on the day of receipt, providing both speed and accountability.
3. What kind of support will I get when something unusual comes up?
Not every COBRA scenario fits neatly into a box. Divorce, Medicare eligibility, second qualifying events—each brings unique compliance challenges. The right partner doesn’t just follow the rules—they help interpret and apply them to your situation.
4. Can I track and manage COBRA activity in real time?
Transparency is key. You should be able to view notifications, payment history, and enrollment data anytime, without waiting on a callback. Our online portal provides 24/7 access to real-time reporting, renewal reminders, and administrative tools that simplify your workload.
5. Is my current partner bringing proactive solutions—or just checking boxes?
COBRA compliance is complex and ever-changing. The right partner doesn’t wait for problems—they help prevent them. We combine COBRA-certified specialists, real-time technology, and warm, responsive service to help you stay ahead of the curve—and focused on your business.
Rethinking COBRA? Let’s talk.
Your COBRA solution shouldn’t just be “good enough.” It should be comprehensive, compliant, and confidence-inspiring—backed by a partner who’s in it with you for the long haul.
If your current provider isn’t checking every box, we’d love to show you a better way to benefit.
