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.
COBRA covers medical care, not life insurance or disability benefits. There is an 11-month extension for people with certain disabilities. The plan may increase the premium by up to 150%. Continuation of coverage can happen again for an 18-month period (for a total of 36 months of COBRA coverage) in the event of a second qualifying life event. Which employers does COBRA apply to? COBRA covers most private employers with 20 or more employees, or state and local government employees.