[swozey]

You can opt out of it (or not opt in) up until, I believe (and correct me if I'm wrong) for up to a year after leaving the job meaning that you can deny coverage UNLESS something major comes up then you pay from that point on. So it's useful for that event, some emergency coming up.

I've never paid for it, the one time I had it come up it was something like $800/mo for me as a single 20s laid off person. Not top priority.