You will need to file an official appeal with the Department of Business Regulation and you will need to describe your disability in detail and explain that the disability caused you to miss the payments and that their denial of your license reinstatement based on this would be against the terms of the Americans with Disabilities Act since they are now denying you based on your disability causing you to miss the payments (you were physically unable to make them, you did not just ignore them). Also, you can file a complaint with the MA Commission Against Discrimination, but you will need a hearing before Business Regulation on your appeal. You can call the MA bar and ask them for the pro bono attorneys in your area who can assist you in this matter.
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