Retiree benefits - cannot process life events

Summary:

We have a retiree life insurance plan that is the only benefit plan in the retiree program. When someone first retires, we can process a life event to enroll them in the plan. The issue is with processing a life event after payroll has been shut down for the person. I get an error that there must be a payroll ID for determining pay periods, but 3-6 months after termination, the payroll relationship is ended. So I understand why I am getting the error, but I need some help in how to change it. I