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.
Your employer must notify the health plan administrator within 30 to 60 days after you leave the company. Once alerted, the plan administrator has 14 days to notify you about your right to elect COBRA. You and your family have 60 days to decide whether to purchase COBRA, and once you pay the premium, the benefits are retroactive to the date you lost your health insurance coverage. You and your dependents (if they were covered by the plan) can get coverage up to 18 months, but you have to pay the premiums yourself.