I have been a customer of Dell for a number of years. I had taken out credit protection on my account since I had the account in the beginning of 2006. I was injured on the job and went on total disability in October 2007. I was a police officer and recieved injuries in a robbery and had two back surgeries and after retirement in 2008 I had prostate cancer.The recovery time was excessive and forgot all about the credit protection that I had on my account during that time.I was making payments on the account after the injuries but fell behind. Dell sent the account into collections and I called them on this date January 2011 after finding that I was in fact up to date at the time of the injury and was up to date even after I was placed on full disability and that the insurance should cover the payments until paid in full.I was told that I did not apply for the insurance during the allowed time and therefore I am not entitled to the insurance coverage..I tried to explain that I had a number of issues going on and that I was just not aware of the coverage. The insurance on my other cards did have coverage and they are taking care of the amounts due. Spoke with attorney and was told that that is the proper thing to do. Dell stated that this is my problem...This just does not seem right when the other credit cards are taking care of the matter since there were circumstances beyond my control..