Insurance Crap

Our insurance is denying adding Danny to our policy because we missed the "life event window."  We got legal guardianship on August 3rd but he didn't have a SS number until November 5th.  We only had a 45 day window to add him after the "qualifying event" of gaining guardianship BUT we weren't allowed to add him until he had a SS number.  I'm now filing a "written appeal for case escalation."  Ugh.  I'm tired of this.