Keel Continuation

COBRA, on the clock.

Qualifying events, notices, billing, and reinstatement, each triggered automatically and tracked to the deadline. Nothing slips.

COBRA liability, off your plate.

Every client's notices go out on time and every reinstatement posts same-day, so a missed COBRA deadline is never your exposure. One clock, every client.

app.keel.com/cobra
Keel Continuation
COBRA, live
Every qualifying event tracked to the deadline, drafted and sent on time.
Amanda
AmandaCOBRA on autopilot
Amanda
3 qualifying events this month, all handled. R. Alvarez's election notice went out on day 6 of 14, certified. Their election came in, billing is active, and the last reinstatement posted the same day payment cleared.
Notice sent day 6 of 14Nothing past due
On-time notices
100%
within the 14-day window
Active continuants
14
across the plan
Avg notice day
6 / 14
well ahead of the deadline
Reinstatement
Same day
on payment
R. Alvarez · termination tap a stage
This stage
Open cases this month
RA
R. AlvarezTermination · election window
Day 22
MC
M. ChenReduced hours · notice sent
Day 4
JT
J. TranTermination · elected, billing
Active
SD
S. DiazReinstated same day on payment
Done
Illustrative. Example case, representative timeline, not legal advice.
Why it's different

A separate TPA, a separate headache.

The old way

Hand it to a COBRA vendor.

A third-party administrator who needs the data re-sent.
A notice that goes out late, and a penalty if it does.
A member stuck without coverage waiting on reinstatement.
Another login, another bill, another thing to chase.
With Keel

Triggered, timed, reinstated.

The qualifying event fires the clock automatically, no re-keying.
The notice goes out well inside the window, certified.
Reinstatement posts the same day a payment clears.
One platform, one record, no separate COBRA vendor.
By the numbers

The clock never runs out on you.

0%
Notices inside the window
Same day
Reinstatement on payment
Auto
Triggered by the event
0
Separate COBRA vendor
Better together

It hears the event the moment it happens.

Continuation does not wait for someone to tell it. It runs off the same record as the rest of the suite.

Keel Shield
Shares the record
COBRA events land in the same compliance record, so your filings stay accurate.
Keel Export
Catches the change
A termination flows from the census, and the clock starts without anyone re-keying it.
Keel Concierge
Answers the member
"How do I keep my coverage" gets a clear, cited answer, day or night.
Questions

The details.

What triggers a COBRA event?
A qualifying event in the census: a termination, a reduction in hours, and similar changes. Because the census already lives in Keel, the moment one is recorded the COBRA clock starts, the election notice is drafted, and the deadline is tracked. Nobody has to remember to kick it off.
How does same-day reinstatement work?
When a continuant's payment posts, coverage is reinstated the same day, with the record updated for the carrier and the plan. No multi-day lag while someone confirms a check, and no gap where a member shows up at a pharmacy and gets turned away.
Does it handle billing and grace periods?
Yes. Premium billing, payment tracking, and the statutory grace period are all handled, with reminders to the member and a clear status for you. If a payment lapses past grace, the change is reflected automatically.
What does this do for the broker?
COBRA is quiet, real liability for everyone in the chain. With one board across the book, every client's notices and deadlines are tracked and on time, so a missed COBRA notice is never the thing that comes back on you. It is risk you used to carry, gone.
Keel Continuation

Let the clock
run itself.

See a COBRA case move from event to reinstatement, every deadline met, with nobody chasing it.

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