A:        No. Your employer legally has up to 45 days to get to you the information you need to elect COBRA. If you need to seek medical treatment with in the time period it takes for you to get information from your employer and the time you sign up and make your payment, you may have to be reimbursed for your treatment. As soon as you sign up for COBRA, (before the deadline) and make your premium payment, you are going to be covered retro actively back to the last day of coverage and there will be NO lapse in coverage.