The Consolidated Omnibus Budget Reconciliation Act or COBRA gives workers and their families who lose their health benefits under certain circumstances (including change in martial status) the right to choose to continue group health benefits provided by their group health plan for limited periods of time.  Circumstances can include voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire premium for coverage up to 102 percent of the cost to the plan. Collaborative Attorney: An individual trained in the practice of Collaborative Law to aid couples in the dissolution (divorce) process. The attorney addresses the legal issues a couple faces in seeking a divorce. Through problem-solving negotiations, which avoid adversarial techniques or tactics, the attorney advises clients concerning applicable law and its effect on them and helps them draft agreements in the spirit of cooperation.