The cancel date should be the first day the employee no longer has coverage so the termination date must be within contract terms.

Two examples:

• If employment terminates on the 5th of a month, the last day of coverage can be the 15th of the month, so the cancel date is the 16th.
• If employment terminates on the 22nd of the month, the last day of coverage would be the last day of that month, so the cancel date is the 1st of the following month.