How long does a beneficiary have to submit the COBRA application after receiving it?

A beneficiary has 60 days to submit the COBRA application after receiving it. This timeframe is designed to allow individuals who have lost their group health plan coverage—typically due to job loss, reduction in hours, or other qualifying events—to assess their situation and make an informed decision about whether to elect COBRA continuation coverage. This period ensures that beneficiaries have ample time to understand their health care needs and financial situation before making a commitment to continue their health insurance under COBRA. It also reflects the regulatory intent to provide individuals a meaningful opportunity to potentially avoid gaps in health coverage. Understanding this timeframe is crucial for both beneficiaries and administrators of group health plans to ensure compliance with COBRA regulations.