Page 10 - CRITICAL ILLNESS, ACCIDENT AND HOSPITAL INDEMNITY INSURANCE ADMIN MANUAL
P. 10
THE HARTFORD’S EMPLOYEE CHOICE BENEFITS
SM
YOUR RESPONSIBILITIES -
EMPLOYEE ENROLLMENT AND TERMINATION
ENROLLING NEW HIRE ADDITIONS
Original enrollment forms should be kept on file in your office. Please do not add these new employees
to the bill. Any retroactive charges will appear in the Balance and Adjustment Detail section on a future
invoice. Once an enrollment has been submitted the employee will appear on the next regularly scheduled
billing statement. Any past due premium will be reflected on that statement and will need to be remitted
in order for the effective date of the enrollment to be honored.
For Premium Payments Due on the 15 of the Month:
TH
If an employee's effective date is the first of the month after the Eligibility Waiting Period, premium
will be billed for that month. If the employee's effective date is any other day, he or she will be covered
for the balance of that month, but premium will not be billed until the following month.
Note: As the employer, you're responsible for maintaining all original documentation such as
enrollment forms, changes and terminations.
ENROLLING CURRENT EMPLOYEES WHO ARE NOW ELIGIBLE FOR COVERAGE
Employees who move from part-time to full-time status or those who move into an eligible class must also
be enrolled. Please be sure to enter the date on which the employee became eligible for coverage on the
enrollment; this may be different from the employee hire date. This will give The Hartford the correct date to
use in calculating the waiting period.
USING THE PERSONAL HEALTH APPLICATION
(APPLICABLE TO CRITICAL ILLNESS ONLY)
Evidence of Insurability must be provided to The Hartford in the circumstances described, using the
Personal Health Application. The Hartford offers Single Sign On or standalone online Evidence of Insurability
where an employee will complete the Personal Health Application and receive a real-time coverage approval/
declination. A paper Personal Health Application is also available for completion.
In order to expedite the processing of a paper Personal Health Application, the Employer section of the
application, including all coverage options, needs to be completed by you. Please verify that the amount
shown on the application is the correct amount of coverage for that applicant, based on the terms
of the policy.
AMOUNTS EXCEEDING THE GUARANTEED ISSUE LIMIT REQUIRE
A PERSONAL HEALTH APPLICATION
When an employee first exceeds the Guaranteed Issue (GI) limit for any reason, a Personal Health
Application is required. The GI limit is the largest amount of insurance a person can have without having
to submit evidence of insurability.
REPORTING TERMINATIONS
Please be sure to supply us with all pertinent information including the date of termination, employee name,
employer name, and policy number.
In order to receive credit for the appropriate months, you must notify The Hartford within 12 months of
the employee’s termination. For list billing, terminations can be reported on www.employerview.com ,
via phone to the Customer Contact Center, or via email or fax.
10
SM
YOUR RESPONSIBILITIES -
EMPLOYEE ENROLLMENT AND TERMINATION
ENROLLING NEW HIRE ADDITIONS
Original enrollment forms should be kept on file in your office. Please do not add these new employees
to the bill. Any retroactive charges will appear in the Balance and Adjustment Detail section on a future
invoice. Once an enrollment has been submitted the employee will appear on the next regularly scheduled
billing statement. Any past due premium will be reflected on that statement and will need to be remitted
in order for the effective date of the enrollment to be honored.
For Premium Payments Due on the 15 of the Month:
TH
If an employee's effective date is the first of the month after the Eligibility Waiting Period, premium
will be billed for that month. If the employee's effective date is any other day, he or she will be covered
for the balance of that month, but premium will not be billed until the following month.
Note: As the employer, you're responsible for maintaining all original documentation such as
enrollment forms, changes and terminations.
ENROLLING CURRENT EMPLOYEES WHO ARE NOW ELIGIBLE FOR COVERAGE
Employees who move from part-time to full-time status or those who move into an eligible class must also
be enrolled. Please be sure to enter the date on which the employee became eligible for coverage on the
enrollment; this may be different from the employee hire date. This will give The Hartford the correct date to
use in calculating the waiting period.
USING THE PERSONAL HEALTH APPLICATION
(APPLICABLE TO CRITICAL ILLNESS ONLY)
Evidence of Insurability must be provided to The Hartford in the circumstances described, using the
Personal Health Application. The Hartford offers Single Sign On or standalone online Evidence of Insurability
where an employee will complete the Personal Health Application and receive a real-time coverage approval/
declination. A paper Personal Health Application is also available for completion.
In order to expedite the processing of a paper Personal Health Application, the Employer section of the
application, including all coverage options, needs to be completed by you. Please verify that the amount
shown on the application is the correct amount of coverage for that applicant, based on the terms
of the policy.
AMOUNTS EXCEEDING THE GUARANTEED ISSUE LIMIT REQUIRE
A PERSONAL HEALTH APPLICATION
When an employee first exceeds the Guaranteed Issue (GI) limit for any reason, a Personal Health
Application is required. The GI limit is the largest amount of insurance a person can have without having
to submit evidence of insurability.
REPORTING TERMINATIONS
Please be sure to supply us with all pertinent information including the date of termination, employee name,
employer name, and policy number.
In order to receive credit for the appropriate months, you must notify The Hartford within 12 months of
the employee’s termination. For list billing, terminations can be reported on www.employerview.com ,
via phone to the Customer Contact Center, or via email or fax.
10
