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.
According to COBRA regulations, you have 60 days from the date the Specific Rights Notice was sent or 60 days from your last date of coverage as an active employee, whichever is later, to elect coverage under COBRA. You are allowed to change your mind during the initial election period. For example, if you waive your right to COBRA coverage and then decide to choose coverage, coverage will be granted as long as you send the final election notification to Discovery Benefits within the 60-day election period.