cautious, circumspect, wary, chary mean prudently watchful and discreet in the face of danger or risk. cautious implies the exercise of forethought usually prompted by fear of danger a cautious driver. circumspect suggests less fear and stresses the surveying of all possible consequences before acting or deciding circumspect in his business dealings ...
COBRA coverage generally is offered for 18 months, and 36 months in some cases. If you don't get a notice, but you find out your coverage has ended, or if you get divorced, call the employer's benefits administrator or the group health plan as soon as possible and ask about your COBRA rights.
Usually, you pay the entire cost of coverage (both your share and the employer's, plus a 2 percent administrative fee). As long as the prior plan exists, COBRA coverage lasts up to 18 months for most people, although it can continue as long as 36 months in some cases. For example, if you expect to have a 6-month interruption between jobs and health plans, you can purchase COBRA coverage during that time. 2  COBRA coverage can be counted as creditable coverage as long as there is no significant break after your COBRA coverage ends.