AI COBRA Administration Agent
Automating COBRA Administration with AI
Detect qualifying events and generate compliant notices automatically
The system monitors HRIS and benefits administration feeds to identify terminations, hours reductions, and other qualifying events, then generates DOL-compliant Election Notices within required timeframes—complete with certificate of mailing and delivery tracking.
Process elections and manage premium billing end-to-end
Automated workflows handle the 60-day election window, 45-day initial payment period, and ongoing 30-day grace periods, with accurate invoicing, payment posting, and dunning cycles that enforce compliance without manual intervention.
Coordinate carrier reinstatement and maintain audit-ready records
Once a qualified beneficiary elects and pays, the system submits retroactive enrollments to carriers via EDI 834 or portal uploads, confirms reinstatement, and maintains timestamped documentation for every notice, payment, and status change.
How Cassidy automates this using AI
Step 1: Trigger on qualifying event detection
The Workflow activates when Cassidy detects a qualifying event from your HRIS or benefits administration system—whether a termination, reduction of hours, divorce notification, or dependent aging out—and automatically creates a case with all required data fields.
Step 2: Generate and deliver compliant notices
Cassidy pulls plan details, premium amounts, and qualified beneficiary information from your Knowledge Base to generate DOL-compliant Election Notices, then coordinates print-and-mail delivery with USPS tracking and certificate of mailing documentation.
Step 3: Process elections and initial payments
When qualified beneficiaries elect coverage through the portal or mail, Cassidy validates the election, calculates any catch-up premiums and proration, and posts payments—flagging exceptions for Human-in-the-Loop review when needed.
Step 4: Submit carrier reinstatement
Cassidy automatically submits retroactive enrollment files to carriers via EDI 834 or carrier portals, confirms effective dates, and logs reinstatement confirmations for audit purposes.
Step 5: Manage ongoing billing and compliance
The Workflow generates monthly invoices, enforces grace periods, processes disability extensions and second qualifying events, and maintains a complete audit trail of notices, payments, and carrier communications throughout the coverage period.
Implement it inside your company
- Hands-on onboarding and support
- Self-paced training for your team
- Dedicated implementation experts
- Ongoing use case discovery
- ROI tracking & analytics dashboards
- Proven playbooks to get started fast
