New LI policy. Have cancer

I was diagnosed with cancer in February. Chemo did not have any effect on the cancers progression and I am now being treated with Immunotherapy. I am terminally ill.

I went on Temporary medical leave of absence with pay (accumulated sick days) in May. In June of this year, we had open enrollment to change or upgrade our insurance coverage. One of the options was to get voluntary life insurance deducted from our check. We already, and still have the employer provided LI that pays 1 years salary to the beneficiary. So Basically I clicked on the box to get the extra life insurance. There was no fine print about medical conditions or anything. Just Click here to add to your coverage. It’s not a big policy, only $40 per month with 90K to the beneficiary.

The paychecks I have received since then have the new LI policy amount deducted. So I assume this policy is active.

I will be going on a 1 year leave without pay in September. I will then have to start paying my own insurance costs and apply for disability as I am now bedridden. My employer has been upfront and helpful in directing me on how to continue health insurance, but is dodging my questions as to how I continue to pay for the L.I. (which is it’s own deduction from my gross) And has even said to do nothing about the LI because it’s employer provided and will continue to be paid by my employer. But that’s the mandatory LI, Not the extra voluntary LI. If I do nothing, the extra LI will I’m sure be dropped by default on payments. The extra LI is a separate deduction from my gross and will have to be paid on its own.

Is my employer playing me? Am I entitled to this policy?