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.
The protection generally lasts up to 18 months, and you must opt for Cobra within 60 days of losing your job or of receiving formal notification that you are eligible for the program, whichever is later. The statute includes only companies with 20 or more employees that are continuing to offer a health plan.