Today I had to tell two employees of a client of mine they are terminated. Both are in their 50's. Both provide income...and sooo important...medical benefits for them and thier families.

Of course I told them about their COBRA rights. But I know...that after rent and food...there will not be the $600 to $800 per month to pay for the insurance. They will be fortunate if unemployment covers the rent.

Speaking of COBRA...do you know if your employer discontinues medical insurance - for whatever reason ---- including going out of business there is no COBRA? COBRA benefits are through the employer not the insurance company - so if the employer no longer has insurance - you no longer have COBRA rights.

I suppose some might think it the "fault" of these two people today who lost their jobs and their medical insurance...and the medical insurance of their families.

I don't.