Employment Law Questions? Ask an Employment Lawyer.
I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear about your situation.
If there is something in writing that says you must get Medicaid when you become disabled, and you become disabled, the insurance company will drop you. They could also sue you for reimbursement of any benefits paid after you were supposed to cancel the plan. This is true even if you've recovered by the time they find out about the disability, and even if the original coverage can't be reinstated - because in the situation you've described, the disabled individual has breached the contract.
In order to avoid losing coverage (and possibly having to reinstate the insurance company), it would be necessary to show something in the contract that does not require terminating the policy in the event of a temporary disability, or it would be necessary to show that whatever condition you had did not qualify.
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