Elf Sternberg

Hm. Not to be a pessimist or anything, but as someone who works for the insurance industry this strikes me as a way to keep people from paying their COBRA so that they coverage can be discontinued. Most companies are totally unforgiving about late payments--you simply lose your coverage. And frequently the people who take COBRA are the ones who need it, and premiums don't come close to equaling the payouts, so losing their business is not a loss for the insurance carriers. :-(

Lola