which mislead an insured to his detriment." Essex Ins. Co., supra, 14 F.3d at 1182. Because Mr. Ghazi did not receive the erroneous November 9th date until after his September 10th letter to UNUM, when his conversion period had already expired, he could not have relied on that date. He was therefore not misled to his detriment.

Incapacitation
Mrs. Ghazi also argues that summary judgment should not be granted for the defendant because Mr. Ghazi was disabled at the time of his termination and therefore his life insurance should have continued beyond his termination date under the group policy. Fiserv's insurance policy does include a "Life Disability Benefit" provision under which an employee's life insurance coverage will continue beyond his or her termination in the event of disability. It requiresup for work he repeatedly attempted to contact him, but Mr. Ghazi did not return his telephone calls. According to Mr. Immer, Mr. Ghazi was fired for failing to show up for work, after being warned that if he did not respond to his employer's attempt to reach him, he would be terminated. Mr. Immer testified that Mr. Ghazi was not fired for improperly performing his job.
To be eligible for benefits under the "Life Disability Benefit" provision of the Group Policy, the employee must provide written notice and proof of total disability within one year from the date the total disability started. Plaintiffs have not identified the date when Mr. Ghazi's disability began. Clearly, however, if they are saying he stopped showing up for work because of his