Well I sent it-- actually I faxed it and I sent in certified mail too. My dh talked with his HR person at work and she wasnt even aware the coverage was dropped on November 1!!! ( the same day I filed my paperwork to be approved) Err anyway we will see from here. I have to wait 20 business days to hear the answer and then I will contact a lawyer if need be. I really hope we dont have to go there! Jill