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What is the COBRA qualified beneficiary process after an employee terminates?

Written by Aimee Reynard
Updated 1 month ago
  1. Employee Terminates - Upon termination, plan administrator/broker will remove the participant off of active employee benefits. 
  2. Notify Ameriflex - Plan administrator/broker will enter the qualified beneficiary into the COBRA portal. View instructions here
  3. Ameriflex Notifies Participant - Once entered into the COBRA portal, Ameriflex will generate the specific rights notice overnight and mail it the following business day.
  4. Participant Elects/Waives Coverage

    Elects - Participant notifies Ameriflex of election and full initial premium payment is made to Ameriflex. Ameriflex will then email a carrier notice of reinstatement to the enrollment contact provided for each of the specific plans elected. Note: The carrier enrollment contact listed during plan set up will be responsible for ensuring that the qualified beneficiary is enrolled into the coverage(s) elected. Meaning, if the broker is listed as the carrier enrollment contact, he/she will be responsible for reaching out to the carrier once they receive the emailed notice of reinstatement. It is our recommendation that you provide Ameriflex with direct carrier contacts to ensure there are no delays in coverage.
    Waives - No other action is required as the participant was already terminated off of active employee benefits by plan administrator/broker
    No response -  No other action is required as the participant was already terminated off of active employee benefits by plan administrator/broker

Direct Links/Related Articles

COBRA Portal 

Ameriflex Portal 

Adding a Qualified Beneficiary

Adding a New Hire

Running a Member Status Report

Running a Remittance Report

Understanding Report Statuses

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