NESC can usually process your pension choices form in 2 weeks time. If you have any skeletons in the HR closet like divorce or friend of the court you might want to give your self a little more time. Your spouse’s signature needs to be notarized if you take the lump sum.
COBRA benefits for 18 months is the least expensive option. NESC will confuse you to all ends until you come to this conclusion.
Last minute folks are going to be sad once they see who is staying come Dec1.