Managing My COBRA

What can I expect during my transition? 

Once you have lost group benefit coverage, your employer will notify Benesyst (by law - must be within 30 days of your loss of coverage date). Benesyst will then mail your COBRA Qualifying Event Package within 14 days. It is very important that you read the entire notice carefully.

What should I do once I receive my election packet?

If you wish to elect COBRA coverage, you will need to completely fill out the election forms and return them to Benesyst along with your first month’s premium payment.** 

  • For standard processing, please mail the packet to Benesyst. When sending via standard mail, please allow up to 5 business days for Benesyst to receive the packet.
  • When returning your election forms, include your first month’s premium payment with a check or money order made payable to Benesyst.**
  • For quicker options, you can either send the election forms overnight to Benesyst or fax your election forms to Benesyst at 612-746-5505. 

If your reinstatement needs immediate attention because you have scheduled medical, dental and/or vision services within the next 2 weeks, please indicate this on the election forms.

**Note: Including your first month’s premium payment with the election form will assist in expediting the reinstatement process.You do have the right to delay your first payment as much as 45 days after you mail your election packet, however, coverage reinstatement will not be processed until we receive the first payment.

What is the timing of insurance reinstatement once I send in my election packet?

The standard reinstatement processing time will take approximately 3-4 weeks for reinstatement with the carrier(s). This accounts for mailing and processing time for both Benesyst and your insurance carrier(s). 

*Please note: depending upon the medical insurance carrier plan, the timing of processing may vary.

How long until my coverage is actually reinstated from my last day of active coverage?

To account for all transit and processing time, please allow 6-8 weeks for your coverage to be reinstated. Once your coverage is reinstated it will be effective retroactively to the first day following your qualifying event date.

Who pays for COBRA coverage?

In most cases, you are the responsible party for paying the premiums. Premium costs are regulated and will not exceed 102% of the cost to the plan.

When is my payment due?

Premium payments are due to Benesyst on the 1st of each month in which you are eligible for coverage. If you are not able to make your payment by the 1st of the month, the plan allows for a grace period which extends for 30 days after the payment due date. It is important to know that payments which are postmarked after the last day of the grace period result in coverage being cancelled. This cannot be reversed.

Can I manage and pay my account balance online? 

Yes. After your election forms and first month’s premium are received and processed, your Benesyst account will be available for you to access.  You may create & log-in to your online account by clicking here.

Please note, there is a credit card processing fee for making payments online. Also, not all employers/states allow for credit card payments.

Will I be receiving new Insurance ID Cards?

This is dependant upon your insurance company and their practice when transitioning coverage from an “active" employee status to COBRA status. Any new ID cards to be issued will be sent directly from the insurance carrier once your coverage has been reinstated. You should contact your insurance company to confirm whether new cards will be issued.

What if I have questions regarding my insurance plan coverage / benefits? 

Benesyst is the administrator for the coordination of your COBRA coverage(s) and is not the insurance company. For specific benefit-related questions, contact the insurance company providing the coverage. Member (Customer) Services contact information can generally be found via their website or on the back of your insurance ID card. 

I did not make the premium payment on time and my coverage was cancelled. What can I do? 

If your coverage was cancelled for not making the payment within the grace period, the plan rules will prevail and this action cannot be reversed. If you believe your coverage was cancelled in error, please contact Benesyst Customer Care at 855-BENESYST or via email at

If you disagree with the termination of coverage you may contact an EBSA Benefits Advisor at 1.866.444.3272 for assistance.

What can I do if I can not afford the COBRA premium for me and/or my family? 

You may research a variety of insurance companies and/or agents who would be able to assist you in providing you with quotes on individual insurance policies. 

You may be able to cover your children under your state's Children's Health Insurance Program- call 1.877.KIDS.NOW (1.877.543.7669) or go to to find out about eligibility and enrollment.

The Affordable Care Act provides that plans or issuers that make available coverage to dependent children must make such coverage available for children up to age 26. Because this provision has a varying applicability date, contact the plan to see if such coverage is available. The Affordable Care Act also established Pre-existing Condition Insurance Plans (PCIP) for those with pre-existing conditions.  For more information on how these plans work, visit

If you have limited income and resources (assets), you may want to contact your state to determine if you are eligible for Medicaid or other programs that may assist you in obtaining assistance with health coverage.

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