Page 11 - CRITICAL ILLNESS, ACCIDENT AND HOSPITAL INDEMNITY INSURANCE ADMIN MANUAL
P. 11
THE HARTFORD’S EMPLOYEE CHOICE BENEFITS
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EXAMPLE “A” Jane Doe’s reported employee hire date
Jane Doe was hired as a part-time employee on: 07/06/17. should be: 12/01/18, because this is the date
Jane Doe became a full-time employee on: 12/01/18. that she joined the eligible class for coverage.
EXAMPLE “B” EXAMPLE “C”
Looking at the December 2018 Suppose Jane Doe terminates after
Billing Statement: the first day of the month?
If Jane Doe terminated on 12/01/18, you In this case, you will not receive a credit
would receive one month’s credit on your for that month. You will not have to deduct
February statement. If Jane Doe terminated the credit, since a future premium statement
on 12/01/17, but the termination was not will automatically reflect the correct credit
previously reported, you would receive a credit in the Balance and Adjustment Detail section
for 12 months on your February statement. of your invoice.
REPORTING CHANGES
As the employer you're also responsible for informing us when a dependent child no longer meets the
requirements for insurance coverage. The child will remain on the invoice until The Hartford is notified
to terminate the child’s coverage. Please refer to your policy/booklet certificate for further clarification.
For list billing, changes can be reported by the employer on www.employerview.com , via phone to the
Customer Contact Center, or via email or fax.
Age Banding (Step Rates): All employees’ age changes will be reflected based on the effective date
chosen by the Policyholder. The effective date options are:
• The Anniversary Date following the employee’s birthday (all changes take place on the Policy
Anniversary Date)
• The first of the month following the employee's birthday;
• Other specified date (e.g., January 1, August 1, etc.).
AGING-UP EXAMPLES: Age Administration Rule:
January 1
Age Administration Rule: Policy Anniversary Policy Anniversary: 04/01
Policy Anniversary: 10/1
Employee’s Coverage Effective Date: 4/1/19 Group has elected changes to
take place on January 1.
Employee John Doe is 39 years old on 10/1/18, turns Employee Jane Doe is 39 years
40 on 11/1/18, and has elected Voluntary Critical Illness old on 4/01/18 and turns 40
coverage effective 4/1/19. Since the group elected to on 12/01/2018.
have changes done at time of anniversary, John receives
the rate for age 39 from his effective date of 4/1/19 Jane receives the rate for age 39
through 9/30/19. On 10/1/19, he ages up from a rate until January 1 when she will
perspective to the rate for age 40. move to the rate for age 40.
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SM
EXAMPLE “A” Jane Doe’s reported employee hire date
Jane Doe was hired as a part-time employee on: 07/06/17. should be: 12/01/18, because this is the date
Jane Doe became a full-time employee on: 12/01/18. that she joined the eligible class for coverage.
EXAMPLE “B” EXAMPLE “C”
Looking at the December 2018 Suppose Jane Doe terminates after
Billing Statement: the first day of the month?
If Jane Doe terminated on 12/01/18, you In this case, you will not receive a credit
would receive one month’s credit on your for that month. You will not have to deduct
February statement. If Jane Doe terminated the credit, since a future premium statement
on 12/01/17, but the termination was not will automatically reflect the correct credit
previously reported, you would receive a credit in the Balance and Adjustment Detail section
for 12 months on your February statement. of your invoice.
REPORTING CHANGES
As the employer you're also responsible for informing us when a dependent child no longer meets the
requirements for insurance coverage. The child will remain on the invoice until The Hartford is notified
to terminate the child’s coverage. Please refer to your policy/booklet certificate for further clarification.
For list billing, changes can be reported by the employer on www.employerview.com , via phone to the
Customer Contact Center, or via email or fax.
Age Banding (Step Rates): All employees’ age changes will be reflected based on the effective date
chosen by the Policyholder. The effective date options are:
• The Anniversary Date following the employee’s birthday (all changes take place on the Policy
Anniversary Date)
• The first of the month following the employee's birthday;
• Other specified date (e.g., January 1, August 1, etc.).
AGING-UP EXAMPLES: Age Administration Rule:
January 1
Age Administration Rule: Policy Anniversary Policy Anniversary: 04/01
Policy Anniversary: 10/1
Employee’s Coverage Effective Date: 4/1/19 Group has elected changes to
take place on January 1.
Employee John Doe is 39 years old on 10/1/18, turns Employee Jane Doe is 39 years
40 on 11/1/18, and has elected Voluntary Critical Illness old on 4/01/18 and turns 40
coverage effective 4/1/19. Since the group elected to on 12/01/2018.
have changes done at time of anniversary, John receives
the rate for age 39 from his effective date of 4/1/19 Jane receives the rate for age 39
through 9/30/19. On 10/1/19, he ages up from a rate until January 1 when she will
perspective to the rate for age 40. move to the rate for age 40.
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