faqs


Q: I missed the deadline for enrolling a new employee. What do I do now?

A: Have the employee complete an Employee Application and a Statement of Health and send it to the Plan Administrator. Coverage will take effect on the first of the month after the insurance company approves the application. If you have dental coverage, late applicants (employees and their insured family members) are each limited to $250 in dental benefits during the first 12 months of their coverage under the plan.


Q: What if I miss the deadline for adding a dependent?

A: Have the employee complete an Employee Change Request plus an Employee's Statement of Dependent's Health. Send both forms to the Plan Administrator. The dependent's coverage will take effect on the first of the month after the insurance company approves the application. If you have dental coverage, late applicants are limited to $250 in benefits during the first 12 months of their coverage under the plan.


Q: Can I change the level of our coverage under a benefit we already have?

A: Most firms make benefit changes at the plan's April 1 renewal date. The best way to initiate a change between renewals is to call your advisor. He or she can walk you through the options available to your firm.


Q: My spouse has coverage through his/her work – where should I send my dental claim form?

A: When couples both have health and dental coverage, they can send claims to both plans for maximum coverage. Send an adult claim to the patient's plan first, then to the spouse's plan for any outstanding expenses. For children's claims, start with the plan of the parent born earlier in the calendar year.


Q: I found an old dental bill; can I still claim it under the group plan?

A: Health and Dental claims must be made within 12 months of the service date. If you leave your company, you have 120 days from your last day of work to submit any claims for eligible expenses incurred up to the end of the month you were with the firm.


Q: Do I need to report my disability benefits on my tax return?

A: If your employer paid any portion of your disability premium, any benefits received must be reported on your personal tax return. When a benefit plan includes disability coverage, it could be beneficial for the employee to pay the disability premium, even if the company pays 100% of the cost of other benefits. In these situations, employees don't pay income tax on any benefits they receive.


Q: Can I keep my Life Insurance when I leave my employer?

A: When employees leave their company, they usually have the right to keep the amount of life insurance provided by the group plan. If they elect to convert the coverage to an individual policy and pay the future premiums themselves they must complete the conversion within 30 days of leaving the firm.