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 is a coverage gap provision that allows you to remain on an employer's group health insurance policy by paying the entire premium up to 102 percent of the original coverage cost. You can maintain COBRA coverage for up to 18 months, although disability and other provisions can allow further extension. Maintaining this coverage allows you to benefit by keeping previously paid deductibles and will help you avoid the pre-existing condition limitations of buying new coverage.