Supplemental and Optional (Guaranteed) Policies not renewed due to mistake or error

Hi, question for anyone with knowledge that could let me know whether to keep looking into this, or if I should drop it and focus on my husband’s health. Thanks in advance for any input.

My husband had elected to add multiple supplemental (voluntary) policies and one optional (guaranteed) life insurance policy for 2024, at his new job. When open enrollment period took place in November, he was unable to elect them again without being redirected to the insurance site for additional information (to our memory, it required health questions). Each time he tried to select one of the additional policies for 2025, it would redirect for more information, and so it’s even possible that he saw the site loading (and loading, and loading) again for the last one and closed it before proceeding.

We are now looking at a “life insurance information” form that his company’s benefits department sent him, and it says that he would not have had to answer any health questions to continue a guaranteed issue policy if he had elected to have it in the initial enrollment period (which he had done).

We’ve contacted the company about a possible error correction period or filing an appeal. We’ve also talked to the carrier. The carrier says that it is a self-managed plan, and that they cannot see our contract. The company says that we didn’t choose those elections, too bad, that there is no correction period, and to btry again in November.

I tried explaining that he was unable to simply select the elections, and that we want to pursue this before the potential 30/31-day period (?) runs out in two days. Also, why on earth would we have turned down a guaranteed “optional” policy (apparently separate from supplemental) worth several hundred thousand dollars if we thought it was available?

My husband is now ill, and I doubt he will be eligible for other options.

Is there any path forward on this, or should I just drop it and accept that I’m stupid for not pursuing it sooner? Feeling flustered after a phone call with his company.