after my initial cobra payment check bounced I received a letter from the cobra administrator that my grace period for payment had expired and that my cobra coverage had been retroactively terminated. However, they based this on a 30 day grace period for initial payment whereas by law I should have been given a 45 day grace period for my initial cobra payment (see dates below). I only now discovered this, so because of the misinformation i received I lost the opportunity to make my payment in time and as a result have lost cobra coverage. What can I do? XXXXX XXXXXX. - election date: 10/18 - 30 day grace period expiration: 11/19 - date on coverage termination letter: 11/27 - 45 day grace period expiration: 12/4
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