Well the details are that I am on leave without pay. While on leave, I can still be a part of the health and dental plan as long as I submit post dated cheques for the time I am on leave and I have to pay monthly the employee's portion and the employer's portion.
Sooooo, apparently I only submitted 24 cheques that covered me up to the end of Feb 2008. I completely forgot at the beginning of January to submit another 24 cheques because I am on leave until Feb 2009. I noticed in the beginning of June that no payments were being cashed. Why I didn't notice until June is because they never cashed the cheques on a monthly basis. They would cash 4 or 5 at a time and then a few months go by and then again a whole bunch at a time. I called HR in the beginning of this month and they said I hadn't sent in any cheques. Of course, it would have been nice for someone to email, call, write, just a little something to let me know that they had cashed my last cheque, and hey, do you still want health/dental benefits sine you are on leave for another year? But no one did. They just go ahead and cancel my benefits.
I sent in cheques back in the beginning of June to cover the months I missed up until Feb of 2009 but again I notice nothing has been cashed but they did receive them 5 weeks ago. I called and was told that the payroll dept takes months to make a decision whether or not to reinstate my policy. The HR dept won't get an answer until maybe the end of Sept and it takes even longer to get an answer for my dental. It involves A LOT of paperwork. Which of course is interesting because the insurance companies were told the first week of March to cancel my coverage. I guess not much paper is needed for that decision
I wonder if this is normal in other companies to take this long to reinstate. It also kind of bothers me that if they decide to go ahead and reinstate my coverage, I still have to pay for the coverage from March until Sept (if it is even decided by then), but I can't use any of my benefits. It's completely $$$ wasted and I got nothing for it yet that time frame will cost me hundreds of dollars. Does that make any sense?? I guess it's like paying for a plane ticket and then being told, sorry you can't fly or get your money back.
Yes, it was my fault for not sending in more cheques in time and I feel like such a ding dong. What's even worse for this ding dong is that more than likely, if this gets worked out in Sept, they are going to cash 14 cheques to cover March until Sept all at once
Sorry this was so long.