FAQ - Frequently Asked Questions

General Topics

Group Insurance



Q. What do I do if I lose any of my insurance ID cards?
A. Replacement ID cards normally take 7 to 14 business days to be mailed to you from the insurance company. Contact Lorie Clary at 1-800-927-9039 to receive your temporary ID card within the same day.


Q. How do I file a Short Term Disability Claim?
A. A claim form consisting of three (3) different sections must be completed by the physician, employer and employee. Contact Lorie Clary at 1-800-927-9039 for the claim form and additional instructions.


Q. I am at the doctor or dentist office; who do I call to get my ID and Group Number?
A. Call Lorie Clary at 1-800-927-9039.


Q. My Company's monthly group billing seems to be incorrect; who do I call?
A. There could be several reasons the billing may appear to be incorrect; previous month's payment may have crossed in the mail and not be posted, or change forms may not be processed. Contact Lorie Clary at 1-800-927-9039 for assistance.

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Q. Are any items in my home not covered by my policy?
A. Most items are covered up to stated limits for covered perils like theft or fire. However some items including jewelry, money, securities, and guns have coverage limits. If you lose a bracelet that loss would not be covered unless the item were specifically insured, or scheduled.


Q. What does a homeowner insurance policy cover?
A. Homeowner insurance covers damage from incidents such as fire, theft, wind, hail, lightning and vandalism to your house, adjacent structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable, and liability in case you or a member of your household injures someone or damages their property.


Q. If a tree falls on my house from my neighbor's yard, who pays for the damage?
A. Generally the insurance responsibility lies with whoever's property is damaged. In other words, if a tree falls on your home, no matter where the tree came from, your insurance company should pay for your home repair. An exception would be if the damage occurred as a result of negligence; for instance, if the tree was dead before it fell, and you had proof that your neighbor knew the tree was dead. Under those circumstances, the damage becomes your neighbor's liability.


Q. What is a "deductible"?
A. A deductible is an amount that you agree to be responsible for in the event of a loss under the physical damage (collision or comprehensive) coverages of your policy. Deductibles are offered on some coverages to give insureds flexibility in the cost of insurance and the amounts they wish to be responsible for. You may reduce your auto insurance costs by raising the deductibles on physical damage coverages. You should review the amount of the deductibles you now carry on these coverages to determine whether it makes sense for you to absorb a larger portion of your loss in the event of an accident, in return for a lower premium charge.


Q. Why are auto insurance rates higher for younger drivers?
A. Insurance rates are based on the average experience of a group of persons with similar characteristics (classification). Young drivers historically have had poorer loss experience (both in the frequency of accidents and the cost of those accidents) than older drivers. By charging young drivers higher rates, those drivers pay their fair share of insurance costs and older drivers are not asked to subsidize them. In addition, rates are generally higher for males because, consistently, female drivers incur fewer and/or less severe claims than males.


Q. If I own an auto with collision and comprehensive coverage, will my insurance apply to a rental or borrowed private passenger auto?
A. Yes. Your collision and comprehensive insurance coverages are transferable to a substitute rented or borrowed private passenger auto that is damaged while it is being operated by you or members of your household with the consent of the owner. There is no coverage under your policy for family friends or significant others. You should be aware that your coverage is available only if you rent or borrow a private passenger auto in the United States or Canada.

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Q. Do you use one company in particular when quoting group coverage?
A. We have multiple companies to meet your needs. We can offer group medical, group dental, group disability, group life, group vision, group dental, as well as a wide array of voluntary products.


Q. How do I go about getting a quote for group medical coverage?
A. Just call Lorie at 800.927.9039. She will ask a few simple questions regarding your business as well as needing an employee census. It's a very easy process.


Q. How many employees do I have to have in order to get a group quote?
A. Usually at least two. In certain circumstances, we can get group coverage for a group of one. If you are interested, just contact Lorie and she can provide full details.

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