My wife was recently notified she is being laid off. Unless she finds another job soon, she will lose her medical benefits. I know we can keep them a while thru Cobra (paying full fair, of course),but eventually they will be gone. Back on 2001, when I was laid off, I qualified for "retirement" with my company. Basically all I got out of that was I could buy medical insurance through the company, paying full fair, which we elected to do. Since my wife was employed we elected to get her insurance through her employer. I was told at the time that I could add my wife to my retiree insurance at a later date via a qualifying event and losing her job was a qualifying event. NOT. We've now been informed that the only way to put her on my retiree insurance was to do it then at the time I was laid off. I cannot add her now. A qualifying event now would be if I just married her yesterday, then I could add her. The question is this: since we would be paying 100% of the premium for the insurance, why this restriction? We have always kept ourselves insured for our entire working lives. We our seeking to do that by paying the full premium. What skin off their noses is this that they should care? I guess its a little less admin work for them.