How does supplemental life insurance work

how does supplemental life insurance work

Supplemental Life Insurance

How much do I have in supplemental life insurance?

Please call Prudential: 800-778-3827. Or, you can use myUBT to confirm supplemental life amounts for you and your dependents.

How do I enroll in supplemental life insurance?

There are two opportunities to enroll in supplemental life insurance; within 90 days of hire or at any open enrollment. You can enroll during the Trust enrollment (the next enrollment will be spring 2011). If you are eligible and would like this coverage, please complete the supplemental life application and mail it to Prudential.

How do I file a death claim?

Send a certified copy of the death certificate to:

Prudential

ATTN: Life Claims Supervisor

PO Box 13676

Philadelphia, PA 19101

Who is my beneficiary?

Prudential has that information, and will release it if you request your beneficiary information in writing. You may phone them for assistance: 800-778-3827.

If you believe that your beneficiary information is incorrect, you may simply submit a new beneficiary designation. Make sure you sign and date the form before mailing it. Your change becomes effective when Prudential receives your beneficiary designation form.

How can I change my beneficiary?

Download a Beneficiary Designation Form or contact Prudential at 800-778-3827. Complete and mail it to:

Prudential Insurance Company of America

PO Box 5072

Millville, NJ 08332

What happens to my Supplemental life insurance when I leave State service?

When your employment with the State ends for any reason, you have the option to convert or port your basic and supplemental life insurance--and your dependents' supplemental life coverage. Prudential will contact you within 31 days of you leaving State employment with information about the conversion and portability options including the cost associated with each option.

The amount that may be ported or converted is the amount of coverage you, your spouse and dependent children carry at the time you leave State employment. For additional information, refer to your plan booklets or contact Prudential at 800-778-3827.

The Trust and your former Human Resource Officer cannot help you once you port or convert your coverage. The conversion and portability plans are administered though an insurance contact between you (the member) and The Prudential Life Insurance Company of America.

Basic Life

Who is my beneficiary?

Prudential has that information, and will release it if you request your beneficiary information in writing. You may phone them for assistance: 800-778-3827.

If you believe that your beneficiary information is incorrect, you may simply submit a new beneficiary designation. Make sure you sign and date the form before mailing it. Your change becomes effective when Prudential receives your beneficiary designation form.

How do I change my beneficiary?

Download a Beneficiary Designation Form or contact Prudential at 800-778-3827, complete and mail it to:

Prudential Insurance Company of America

PO Box 5072

Millville, NJ 08332

What is my coverage amount?

Your coverage amount is equal to one times your regular pay (if full time) rounded to the next higher thousand, up to a maximum of $150,000. The amount adjusts automatically when you receive any pay increase to your regular pay. Check your paystub for the "total rate" to see what your regular pay is.

What happens to my basic life insurance when I leave State service?

When your employment with the State ends for any reason, you have the option to convert or port your basic and supplemental life insurance--and your dependents' supplemental life coverage. Prudential will contact you within 31 days of you leaving State employment with information about the conversion and portability options including the cost associated with each option.

The amount that may be ported or converted is the amount of coverage you, your spouse and dependent children carry at the time you leave State employment. For additional information, refer to your plan booklets or contact Prudential at 800-778-3827.

The Trust and your former Human Resource Officer cannot help you once you port or convert your coverage. The conversion and portability plans are administered though an insurance contact between you (the member) and The Prudential Life Insurance Company

of America.

Legal Service Plan

How do I enroll in the legal service plan?

You may enroll during any Trust-sponsored open enrollment, so your next opportunity will be the spring 2009 open enrollment period. New members (within 90 days of hire) may enroll between hire date and 90 days of service. This plan is voluntary, meaning members need to enroll to obtain coverage, and can only enroll at hire or during special enrollment periods. The payroll deductions will occur once a month, and will be $13.40 a month for single coverage, or $16.45 a month for family coverage.

Once your coverage is effective, you must remain in the plan until the following June 30. You will be able to change or drop coverage during any Trust open enrollment. You do not need to re-enroll to maintain coverage (similar to how supplemental life insurance operates).

(Asked by a Corrections Officer)

Will the plan cover me if I'm sued personally by an inmate?

This question we had Hyatt answer, because it really falls in a gray area: the plan doesn't cover work-related matters, but is designed to protect you personally. Hyatt told us that they would cover personal suits under the Civil Litigation Defense coverage when a prisoner sues a Corrections Officer as long as the issue is outside the scope of employment and there is no conflict with the State of Ohio.

The Civil Litigation Defense coverage would also apply when any Trust member is sued personally by a member of the public or institutional resident, as long as the matter is outside the scope of employment and there is no conflict with the State.

We followed up with Hyatt to ask what would happen if a Corrections Officer were sued by an inmate's family following failure to perform CPR. Hyatt repeated that as long as the Contract does not require performance of CPR as a job duty and there is no conflict with the employer, that a civil lawsuit brought by an inmate's family under these circumstances would trigger the Civil Litigation Defense. If this is a concern, we strongly encourage you to check with Hyatt and if you receive an answer within your comfort level, to consider enrolling in the plan.

What will this plan cover?

This is a comprehensive plan. The Hyatt legal plan will offer full coverage in network on many covered topics, such as identity theft, personal bankruptcy plans, will preparation or sale/purchase of a home. In addition, the Hyatt plan offers phone consultations on complex matters such as divorce or separation for the member only. Of course, there are some exclusions, and coverage for service from attorneys who do not participate in plan will be limited. Read more highlights and consult the legal service plan booklet.

Dental

What is my dental plan?

As of 7/1/10, all State employees have the Delta Denta plan. You can check your plan and find a provider on MyUBT.

Is my dentist in network?

Check for a provider on Delta Dental's website.

Where do I get a dental claim form?

Members have several options for obtaining forms. You may get a form by: contacting your HR officer; downloading the form here ; contacting the Trust ; or contacting Delta Dental. When you receive your form, make sure it has the correct filing address:

DELTA DENTAL

P.O. BOX 9085

FARMINGTON HILLS, MI 48333-9085

How do I get a provider list?

Go online at Delta Dental's website or call them at 1-800-524-0149

How do I get a provider list for specialty dentists?

In general, the provider list contains specialty dentists as well.

Why didn't Delta Dental pay my claim?

Review your EOB with Delta Dental at 1-800-524-0149. If you need additional assistance, please contact Benefits Trust customer service.

Vision

How often may I receive an eye exam or glasses? Does my age matter?

Members and dependents enrolled in either the VSP or EyeMed vision plans can obtain:

  • an eye exam every 12 months, and

  • contacts every 12 months or lenses and frames every 12 months.

    Source: www.benefitstrust.org

    Category: Insurance

    Similar articles: