SiMON FRASER UNIVERSITY
16 pages
English

SiMON FRASER UNIVERSITY

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16 pages
English
Le téléchargement nécessite un accès à la bibliothèque YouScribe
Tout savoir sur nos offres

Description

  • cours - matière potentielle : proposals
  • cours - matière potentielle : forthe
  • cours - matière potentielle : number
  • cours magistral
  • exposé - matière potentielle : courses on a trial basis
  • cours - matière potentielle : prerequisites
  • cours - matière potentielle : outline
  • cours - matière potentielle : proposals for bisc
  • cours - matière potentielle : proposal form
SiMON FRASER UNIVERSITY MEMORANDUM To ............... .SENATE ............................................................. . From ....... SENATE...CO4ITTEE ... ON ... UNDERGRADUATE ............ STUDIES Subject ..... NEWQURSEPRQPOS4kS ... -BIQCIENCES. ............ Date ....... SEPTEMBER ... 10,....1975 ......................................... ............... MOTION: That Senate approve, and recommend approval to the Board of Governors, the new course proposals for BISC 403-3 - Microbial Ecology BISC 471-3 - Special Topics in Biology BISC 472-3 - Special Topics in Biology BISC 473-3 - Special Topics in Biology, as set forth in S.75-I1.
  • presentation of courses on a trial basis
  • microbial ecology
  • techniques for the assessment of microbial production
  • study of microbial ecology
  • microbes
  • ecology
  • courses
  • course

Sujets

Informations

Publié par
Nombre de lectures 18
Langue English

Extrait

Agent Guide
for Small Employer GroupsAssurant Health offers group health insurance plans designed to meet
the varied needs of small employers. Assurant Health’s extensive portfolio,
along with its commitment to efficient and responsive service, can make
your job easier.
Assurant Health is the brand name for products underwritten and issued by
John Alden Life Insurance Company and Time Insurance Company and is the
name used in this guide when referring to either insurance company.
Agent Guide and Supplements
The Agent Guide is a handy reference tool that gives you the information
you need to write and retain business with Assurant Health. The electronic
format of the guide provides you with access to the most up-to-date
information. If you have questions about this information or any other
part of doing business with Assurant Health, please contact your sales
representative.
There are state-specific supplements to this Agent Guide that cover
variations to the general guidelines. The information in the state
supplements override the guidelines in the Agent Guide. The Agent Guide
and the state supplements are for agent use only and are not intended for
distribution to the general public.

IMPORTANT NOTeS:
Please make sure your client doesn’t cancel existing coverage until you have
received written approval of the new plan from Assurant Health.
If there is a conflict between the information contained in this guide or any
state supplement and the contract/certificate, or any state and/or federal law
or regulation, the contract/certificate or state/federal law or regulation will
take precedence.
Manage Your Business with MyBook
MyBook provides you with online access to your client information for
these lines of Assurant Health business — Individual, Group and Short
Term. Plus, MyBook keeps you up-to-date on the status of your business
through alert notices. To receive e-mail alerts make sure your e-mail
address is always updated at the Assurant Health Sales site. You can easily
search for a particular client or sort and view business according to your
management needs. To learn more about MyBook, see the information
on page 12 and view the brief training module in the Agent Library at
assuranthealthsales.com.Coverage changes (page 10) What’s New?
Plan design changes can be made on the group’s renewal
11/2011 edition date or one other time during the year.
Network changes are allowed on renewal date or 6 months Requests to Withdraw Group Coverage (page 2)
post renewal. We allow a 10-day window from the date of activation
Changes on a group level can be made to dental plan designs, for a group to withdraw their request for coverage. If a
including the addition of orthodontia coverage (provided request is not received within this time period, group
the group meets the qualifications for such coverage), on the coverage can only be terminated as of the end of the
group’s renewal date or one other time during any calendar billing month.
year. Changes on an employee level can be made on the
Health History Underwriting (page 3) group’s renewal date or January 1 or 15 (date is dependent on
Gathering Requirements
the group’s billing cycle). Requests to drop dental coverage
To assist you and your client when additional information
may be limited to the group’s renewal date or January 1 or 15
is required during the enrollment process, a member of the (date is dependent on the group’s billing cycle).
Assurant Requirement Team (ART) will contact the group A group may add Employee Choice (see Plan Options
or employees to obtain the necessary information. This is
on page 6) to their plan on the group’s renewal date or
a highly qualified and customer focused staff. ART will
one other time during any calendar year. An employee
work directly with the group contact and employees to may only switch between medical plans on the group’s
obtain the requirements needed to finalize your case. In renewal date or January 1 or 15 (date is dependent on the
order to ensure compliance with privacy laws, all medical
group’s billing cycle), unless the switch is due to a physical
requirements must be gathered directly from the employee.
relocation of an employee. Changes can be made by
Utilizing ART not only provides you with more time, it completing Section B of the Employee Enrollment Form.
helps to protect you against privacy situations and insures
Life/AD&D (page 11)
compliance with privacy laws.
To add or increase benefits, a fully completed, signed and
HIPAA Privacy dated Employee Enrollment Form must be submitted to
As a business associate of Assurant Health and as a Assurant Health. Requests to add or remove Life/AD&D
representative working on behalf of each applicant, it is coverage on a group level can be made at any time.
your responsibility to protect the confidential information Requests to increase/decrease Life/AD&D coverage can be
you collect. HIPAA privacy and security regulations made on the group’s renewal date or January 1 or 15 (date
require that you, as a business associate, have the physical, is dependent on the group’s billing cycle).
administrative, and technical safeguards in place to protect All requests are subject to underwriting review.
this information. Please refer to the Assurant Health Short Term Disability (page 11)
privacy policy at www.assuranthealth.com to understand To add or increase benefits, a fully completed, signed and
how protected health information is handled at Assurant
dated Employee Enrollment Form must be submitted to
Health and information on how insureds can exercise their Assurant Health. Payroll records are required to verify
individual rights under HIPAA. Please contact Assurant employee salaries (minimum of 90 days). Requests to add
Health Privacy Office immediately if you are aware of any or remove STD coverage on a group level can be made at
breach of protected health information.
any time.
Premium Only Plan (POP) (page 7) Requests to increase/decrease STD coverage can be made
on the group’s renewal date of January 1 or 15 (date is While the option of a Premium Only Plan arrangement is
dependent on the group’s billing cycle). available to groups of all sizes, Assurant no longer offers a
comprehensive Premium Only Plan through our vendor. It All requests are subject to underwriting review and
is the employer’s responsibility to administer the POP. approval and may be declined.
Termination of Coverage (page 11) Maternity Coverage (page 7 & 10)
The health care reform law has put new restrictions on Maternity benefits are optional. Maternity coverage can be
terminations, particularly with respect to employers and added at any time. If maternity coverage was elected after
insureds. the group was initially issued, maternity coverage must
Before submitting a request for a retroactive termination, remain on the group plan for a minimum of 24 months.
employers must ensure that premium has not been received Changes or requests to drop maternity can be made on the
from the employee beyond the requested termination date. group’s renewal date of January 1 or 15 (date is dependent on
When processing a termination, Assurant Health relies on the group’s billing cycle). If maternity coverage is dropped, it
the information employers provide, such as the last date cannot be re-added at a later date.
of employment of eligibility for coverage, the termination
Rate Guarantee (page 8)
date being requested, the paid-to-date of the group and if
The total monthly premium can change on a group if the
the employee has paid for coverage. Complete and accurate
number of employees insured changes by the greater of 10%
information must be provided.
or two employees.























































Table of Contents
Pre-Screen Process 2 Coverage Options 7
Maternity Coverage 7Effective Dates — New Groups 2
Life Insurance and AD&D Coverage 7
How to Submit a Case 2
Short Term Disability (STD) Coverage 7
Requests to Withdraw Group Coverage 2
Ineligible STD groups 7
Health History Underwriting 3
Workers’ Compensation Coverage 8
Gathering Requirements 3 Rates 8
HIPAA Privacy 3 Adding Employees and/or Dependents 9
Nondiscrimination Requirements
Adding Newborn or Adopted Dependents 9
under Federal Law 3
Enrollment Periods 9
Eligibility Requirements 4
Timely Enrollment 9
Group Eligibility 4
Special Enrollment 9
Employee Eligibility

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