COBRA and Mini-COBRA laws create limitless liabilities to businesses that offer group insurance. Disturbingly, most businesses do not purchase the employment practices rider to a general liability policy that covers COBRA administrative errors.

To assist you meet your obligations, our services include:

• A cost effective, time saving resource to generate COBRA and Mini-COBRA notices to comply with Federal or State laws that apply to your business.
• A detailed Record Keeping Platform for maintaining COBRA and Mini-COBRA beneficiary and notice records.
• A human resource File Cabinet for storing plan information, insurance rates, employee contributions, COBRA and Mini-COBRA charged premiums, and benefits enrollment materials.
• A letter library of COBRA administration letters.
• A Government Notice Library of notices employers are mandated to annually distribute to employees. This service includes a button that creates the required Section 125 Employee Authorization Form that allows premium contributions on a pre-tax basis.

Examples of small COBRA cases:

Cause	Judgment	Printable Case
Failure to send a COBRA notice	$24,390	(Torres_ v_Ramallo: 4/22/02)
No Proof of Mailing Notice	$30,158	(Sonnichsen_v_Aries Marine Corp: 2/26/09)
Proof of Mailing, Case Dismissed	$0	(Chesney_v_Valley Stream Union: 5/7/09)