Hi Brendan,
thanks for your response.
The client had a number of employees and put my husband and his family on their group policy, obviously was risky, would now recommend any employee to check directly with their insurer whether their employer had stopped playing. It was all done through a broker who is now saying he had no obligation to contact us when payment stopped and the insurer "would have written to you". They didn't, though.
Fortunately we have not needed to claim, but will we now have to serve new waiting periods? Will we be loaded under lifetime community rating for the rest of our lives?
I'm not sure the client is a mark at this stage so that avenue is probably closed.
My problem really is that we were not contacted and told to continue payments ourselves or the policy would be cancelled. Even if they did send a letter as they say they did, is one letter sufficient?
Should they not have written separately to me or is there no protection for the spouse who is not the named policy holder?