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Thank you both for the advice. I am in the process of getting a copy of the Master Policy to understand the details of the two-year limit. I'm still asking if there is any case law that applies for extending such a deadline due to extenuating circumstances. Maybe an injured limb that eventually...

Hi, I have 2 questions. First, about insurance coverage: \ My son was injured playing HS baseball and lost at least 4 adult teeth and the number may rise to 6 or 8. He will require implants but the work can't start for 3-4 years until he stops growing. We are being told our insurance, both...