My wife had to take a fmla leave from her job a while back while she was taking chemo. She was given short term disability with some problems due to the company changing policy to let the insurance company handle it. The long term has been a series of delays, no returned phone calls, repeated demands for paperwork they claim not to have received. The insurance ran out the middle of September. Cobra was supposed to seamlessly assume the insurance. Wife had to go back to three times a week chemo and needed medicine. Yesterday she found out at the drug counter, she didn't have insurance. I had to cover 400 dollars. Called Cobra, they said they need the money a week before the month to be insured, send them 500 dollars today and they will renew the insurance and in two weeks they want another 500 to keep it in force. If this isn't bad enough, to pay on line, they are charging you 20.00 as a courtesy charge for letting you pay on line. I never had to deal with Cobra but I thought it was just an extension of your existing insurance. Who are these people and has anybody else been charged 20.. for the privilege of paying their bill on line?