Benefits of outsourcing your labor include: 1  Higher revenues and productivity. 2  Lower recruitment and hiring costs. 3  Lower overtime and hold over costs. 4  Lower workers compensation and unemployment claims. 5  Lower unemployment insurance costs.
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.
You, your spouse and your children have 60 days to decide whether to buy COBRA. This election period is counted from the date your eligibility notification is sent to you or the date that you lost your health coverage, whichever is later.