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Mike, Good morning. I certainly understand the situation and your concern. No, they could not. It is not a legal basis to terminate the coverage and for them to do that, there needs to be a basis to support it. With that being said, this has to be one of two things. The first, an issue with payment of the monthly premium. However, if it was past due, you would have received notice in mail and been contacted prior to the policy being terminated. Since you did not, I would assume there was some internal error between your employer and the insurance company. It can be corrected and in the event that there truly is a problem and you lost coverage, through no fault of your own, you would qualify to enroll in a new place, based upon this life event. It would be applied for and retroactive to Oct 1 as well
I just wanted to follow up and see if you had any other questions or needed me to clarify something. I am here to help, so please let me know. Thanks!