|1. Misunderstanding of who the COBRA Law applies to.
If an employer had 20 employees (adding together full-time, part-time, seasonal, etc.) for at least 50% of working days during the previous calendar year, employer is subject to COBRA in current year.
2. Lack of Information Concerning COBRA Law.
Legislation makes Employer responsible but no program to educate.
3. Administrative Errors.
Failure to send initial notices to employee within 30 days of becoming covered under the group medical/dental plan.
Failure to send initial notices to spouse.
Failure to interpret proper application of COBRA law (e.g. employee dropping spouse coverage without proof of divorce).