Thanks for your reply, but no I have not reached my maximum, this all took place in October 2011, which was less than 3 months ago. The employer was to pay the premiums which she stated she was going to do, but did not send off in time, in which I have her letters as to such. DOL, contacted her about not paying for something she stated she would, and now it's to late, and they have sent me the cancelled check back due to it being a day later on her paying it on time, which would have started my COBRA insurance.