Refunds to the insurance

Our state law states you don't have to refund the insurance if the request is over 1 year from the payment. The insurance came back and said they follow ERISA guidelines.
Where can I go to find out more on ERISA guidelines in regards to Insurance refunds?

re: Refunds to the insurance

Here is an article on Benefits recovery act. Hope this helps, maybe someone else has more information on this Topic. https://le.utah.gov/xcode/Title26/Chapter19/C26-19_1800010118000101.pdf