But here is another thought, though I hate to be practical when practicality is so rarely a consideration!
Could you imagine what a nightmare it would be track all of these elections independently and know when to resume payments based on each individuals personal election? That could be "unruly" unless there is some really rock solid system in place (like a 360 bridge). Overall, this would be a recipe for disaster. Resuming all payments 1/1/2021 is a LOT easier...