Excellent.

Dean, unfortunately, will try and eat anything. He also has digestive issues and only eats 1 type of cat food and needs FortiFlora supplements.

Maddie was smart enough to ignore pills on the floor.

Superior experience in successfully leading and motivating Capra aegagrus hircus; supervisory skills relevant to improved production from ground-level up. Projections for current project staff output are sky-high.

You are BRILLIANT.

Okay, I'm finally looking at this COBRA schtuff. I have until the end of June to send it in, and it's retroactive, and I don't have to prove I'm insurable, and I have 45 days after date of election to pay my first premium ($335). Soooo... is there any reason I shouldn't wait a while*? I might not need it, and I'm short on cashola at the moment.

* other than to stop my parents nagging the shit outta me

I'm dealing with COBRA but my dealings have been pretty wacky. I do know that if you don't pay it and wait you won't have coverage for that time. If you have to go to the doctor or get a prescription filled you can be reimbursed.

But if you have any prescriptions you take make sure you get it filled before you go t COBRA. Otherwise if there's a gap between when you pay COBRA and your regular coverage you'll have to pay out of pocket. If you don't know how much something would be out of pocket you can contact your pharmacy and ask them. You can get reimbursed for it, you'll just have to wait.

Heard from the vet - they said that Dean should be fine. That he wasn't near exceeding the dose - unless he ate a lot more of them. And that he may have some vomiting or diarrhea.

Okay, I'm finally looking at this COBRA schtuff. I have until the end of June to send it in, and it's retroactive, and I don't have to prove I'm insurable, and I have 45 days after date of election to pay my first premium ($335). Soooo... is there any reason I shouldn't wait a while*? I might not need it, and I'm short on cashola at the moment.

To do now vs in June? Or to do at all just in case you don't need it. If the former, wait, if you think you'll have money. If the latter, do it. Because if you have cobra you're insured. So when:if you get another job you don't have a break in coverage. Not sure when all the Obama stuff kicks in, but no break in coverage means your preexisting conditions are covered.

I do know that if you don't pay it and wait you won't have coverage for that time.

askye, I don't think that's correct. From my paperwork - "The first payment made is to be applied retroactively toward coverage for the period beginning after the date on which coverage would have been lost as a result of the qualifying event." That agrees with what I'm finding here [link] And I found this on a government site - "The initial premium payment must be made within 45 days after the date of the COBRA election by the qualified beneficiary. Payment generally must cover the period of coverage from the date of COBRA election retroactive to the date of the loss of coverage due to the qualifying event. Premiums for successive periods of coverage are due on the date stated in the plan with a minimum 30-day grace period for payments. Payment is considered to be made on the date it is sent to the plan." (from here [link] bolding mine)

So if I wait, it seems I'll have to pay 3 months at once. Hrmph.

Soooo... is there any reason I shouldn't wait a while*? I might not need it, and I'm short on cashola at the moment.

I would say no, but set like 19 calendar alerts so that if you don't have another job/other coverage by day 45 (didn't it used to be 61?) you don't miss the date. For the continuity reasons meara mentioned.

But remember that if you elect it retroactively, you pay retroactively too - so waiting saves you money if you don't need it at all, but not if you do end up needing it. Then it's just a timing game. Which may be worth it anyway depending on your circumstances.

smonster, your reading is correct. You can retroactively cover yourself. It makes things a bit more complicated, but if there's a chance you won't need it, it's a decent gamble.

ita, thanks.

brenda, it's still 60 days to elect coverage. You have 45 days from when you elect coverage to pay your first premium, but the first one goes all the way back.