Is COBRA worth it after a layoff? - any advice?

The COBRA quote for my family is $100 a month and I do not know how to afford it. There are 3 people counting on me, so I am trying to be careful. My old employer will not help with the premium. How did you decide?

Thanks for writing this out. I went through something close to it last year, and it settled down once I kept a simple log of every call and form.