If you've cancelled your CST^TM Advantage Plan and have received your refund of principal directly into your bank account, then unfortunately, as per government regulations, we cannot reactivate your Plan. However, if you received your refund of principal via a cheque and you haven't cashed that cheque, we can reinstate your Plan up until any point that your beneficiary is ready to go to post-secondary school. You will need to make up all the missed contributions as well as what those contributions would have earned if they were made on time. Please note that you have until the Plan's maturity date (generally when your beneficiary turns 18) to reinstate your plan.