The only constructive thing I might add is - most states have an "Insurance Commission," with, usually, a Commissioner, who have responsibility for regulating what kinds of insurance can and can not be "sold" in the state.

While the courts (and the lawyers) have limited "jurisdiction" to challenge contracts - unless you can show that the terms of a contract have been violated - your "Commissioner of Insurance" in many cases has almost dictatorial authority over the insurance companies and the policy forms they use.

I would not hold out much hope that you would get an immediate change in your situation; but if you wish to promote change, you should try to communicate with those who have some authority in the matter -i.e. with whoever "licenses" the insurers in your state.

Staying in touch with the union is, of course, essential, since, as they are a "party to the contract," they are about the only ones who would have legal standing in the matter if something does get to court.

John