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Termination date 7/1/12. We did not receive anything from employer, we contacted them and left 2 voice messages, no return call. We used the insurance. They canceled it July 2013 retro to July 1, 2012. I have contacted them 3 weeks ago and am still waiting for information. They said they sent out one letter to our old address, we did not get it but our mail was being forwarded. What, if any recourse do we have?