COBRA Rules You Might Already Be Breaking #COBRACompliance #SmallBusiness

9 Feb 2026 · 0 min

Watch on YouTube

0:11

In this brief discussion, the speakers outline key COBRA compliance requirements that small‑business employers often overlook. They explain that once an employee separates, the employer has 14 days to issue the COBRA notice; missing this deadline can trigger substantial fines. The conversation also notes the election window employees receive to decide on coverage, and highlights how brokers can proactively answer compliance questions, such as determining the size threshold (typically 20 employees) that triggers COBRA obligations. Finally, they mention that different employee roles affect how staff are counted toward the threshold.

From the time you know, somebody Left, you've got 14 days to send the notice out. Then they have so many days to elect. If you miss a notice, those. Those fines are pretty substantial.
Having a broker that can answer those questions and ahead of time, I think oftentimes. What's the size for cobra? 20. Okay. So. But.
There'S different roles and how employees count for that.
So when they hit that magic number, they don't realize they hit that magic number. Having a broker that checks in. Yeah. Kind of help them on the understanding of this is. This is new, this is what you need to do.