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.
They must pay the full cost of the insurance (theirs and the employers share) as well as an administration fee, each month, for 18 months at which time the policy is terminated. The insurance company, operating under COBRA, must notify the employee 160 days before their insurance will cease. At that time they usually offer an individual plan which requires a higher premium. In extreme cases, oneâs insurance might be extended from 18 to a maximum of 36 months.