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Kiya said:
According to that 23 page booklet online, COBRA was supposed to provide me with written details of everything and how to keep my COBRA rights
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COBRA doesn't have anything to do with the individual; just the company and its insurance people; you are insured or not through your company still. Your company's insurance person sent or had you sign the paper that qualified you for COBRA and gave you a copy of that; that's the information. COBRA has certain qualifying rules for the company; not everyone is covered, it's not an automatic thing, depends on what your company does/doesn't do. I would talk to your company person and find out what is going on, I think they're the only ones that can help you.
My husband's and mine just expired after the 18 months through my husband's company (I opted out of my company's, had to sign a paper for them) and we switched over to State insurance.
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