Thank you for your response.
These retiree health plans are considered contractual in nature and not mandatory under law. As such the plans are governed under the Employees
Retirement Income Security Act, ERISA, which states that in all of these cases the Plan Description governs your contract
. This means there is no legally statutory right to reinstatement of the policy, it is contractual, and there is no "grace period" in the laws, but there may be a grace period in the contract and that is where you must begin looking I am afraid (each of these plan descriptions is different and there are thousands of them and I do not have access to them, as I am sure you understand).
If your plan description does not contain a provision about reinstatement/cancellation of the plan, then the only legal right you have remaining is negotiating with the employer's benefits officer and arguing things like you did not receive notice of the bill being due or that they failed to notify you promptly that you would be cancelled and give you an opportunity to cure by making payment. I am afraid though that these are not legal arguments to take to court if they refuse to do so.
Legally the only way you can force them to reinstate your policy would be proving that under the terms of your plan description they did not follow those terms and as such breached the contract with you.
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