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Your employer may use a schedule in which employees are 100 percent vested in employer contributions after 3 years of service (cliff vesting). Under graduated vesting, an employee must be at least 20 percent vested after 2 years, 40 percent after 3 years, 60 percent after 4 years, 80 percent after 5 years, and 100 percent after 6 years. If your automatic enrollment 401(k) plan requires employer contributions, you vest in those contributions after 2 years.
My employer's information on COBRA indicates that I will be notified by mail of my eligibility within 14 days of the qualifying event (i.e. job termination), and that I have up to 60 days to sign up for coverage. If I sign up, I will be covered retroactively to the day of the qualifying event.