Looking into that, I see the letter actually reads that I have to submit forms for enrollment by November 25, 2007 - I'm guessing they are considering the processing of the forms. That still seems kind of strange because COBRA is federal, right? Not reading through it, I'd assume there isn't a clause for HR to process forms in 5 days. I used to have to apply people for SSI benefits, and as long as paperwork was postmarked by the last day of the period, everything was fine. I'd be curious to know the legality of that deadline.