When do employees need to provide a health questionnaire?

 First, we will address the rules for a newly eligible employee.
A) Voluntary Life Insurance will contain a guarantee issue amount for the employee (often $30,000) as well as the employee's spouse and dependent children (usually $10,000 for each).  But if the employee would like optional insurance for self or spouse above those guarantee issue limits, the health questions are required.
B) A new employee can enroll in Long Term Care Insurance, if offered, on a guarantee issue basis.  But if the employee wants to enroll the spouse, the short form health history application is required.
C) Usually the disability insurance is available without answering health questions during the initial eligibility period of the employee. 

The rules change during the annual enrollment.
A) All increases for Optional Life Insurance require completion of the Health Questionnaire.
B) If an employee is electing Short Term Disability Insurance for the first time, the Health Questionnaire is required (Unless otherwise noted in your policy).
C) Often, if an employee is participating in Voluntary Short Term Disability Insurance, there is an open amount of coverage ($100/month benefit) that can be elected without health questions.  Anything above the open amount requires the completion of health questions.
D) If this is the first annual enrollment an employee is participating in following the hire date, the employee can still elect the Assurant Voluntary Long Term Disability Insurance without health questions.  For all other applications, Voluntary Long Term Disability Insurance requires the Health Questionnaire.
E) An employee who is currently participating in Voluntary Long Term Disability Insurance can increase the monthly benefit, up to their maximum, without answering health questions during the 30 day annual enrollment period.
F) Long Term Care Insurance requires the health history form unless you have been notified that the group is being offered a special open enrollment opportunity.

Administrator FAQNot every LTC Insurance participant received the CNA letter to MLTC Partnership participants - Why?Only those employees who elected specific inflation protection (the lifetime compound Automatic Benefit Increase (ABI) option) received the letter. Click above for more details.Can employees keep their life insurance when they terminate employment?Yes, employees are able to continue both Basic (employer paid) life insurance as well as Optional (employee paid) life insurance under Minnesota Continuation law. Click to find out more.What happens to an employee’s Long Term Care Insurance when they terminate or retire?Because the Long Term Care Insurance is completely portable, the employee will be able to keep the same plan at the same rates. Click on the question for more information.When do employees need to provide a health questionnaire?In most cases employees are eligible for specified amounts of guaranteed issue as new employees. Typically elections made after initial eligibility require completion of a health questionnaire. Click on the title for more details.How do I file a disability claim for my employee and where should it be sent?The disability claim process begins with you completing the appropriate portion of the claim form and then printing it off and getting it to the employee (claimant). Click above to read more.If an employee terminates employment due to a disability can they still file a claim?The disability claim is based on the date of the onset of the disability. Click on the title to read more.How is a disability defined in order to qualify for benefits?A disability can be the result of an injury, a sickness, or a pregnancy. Click the title to read more.

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