Life Insurance Questions
Life Insurance Questions
Q: What is Surency Life & Health's mailing address?
A: P.O. Box 789773, Wichita, KS 67278-9773.
Q: Does Surency Life & Health offer individual life insurance policies?
A: Surency Life & Health is a group life insurance benefits administrator. Therefore, we are not providing individual life policies at this time.
Q: In what states does Surency Life & Health currently offer group term life insurance?
A: The Surency Life product is currently only available to Kansas and Missouri-based employers.
Q: Does Surency Life have waiting periods?
A: The Surency Life policy does not impose waiting periods, so members have immediate protection for all covered provisions. However, some employer groups have waiting periods. Please check your life insurance certificate to see if your group imposes waiting periods or speak to your Human Resources department. You can also call Surency Life & Health's customer service department at 866.818.8805.
Q: My employer offers group term life insurance through Surency Life & Health. How do I check to see if I'm eligible for coverage?
A: Eligibility for coverage depends on the waiting period imposed by your employer as well as the minimum required hours worked per week. Please speak to your Human Resources department for more details.
Q: How do I get an explanation of my life insurance coverage?
A: Your employer will be able to provide you with a copy of your life insurance certificate, which provides a detailed description of the benefits.
Q: What does Surency Life & Health consider a Change in Family Status?
A: The following are considered a Change in Family Status:
• Birth/legal custody/adoption
• Death of spouse or dependent child
• Spouse's loss of employment which results in a loss of group insurance
• Change in classification from part-time to full-time or from full-time to part-time
Q: When does coverage begin after there has been a Change in Family Status?
A: Coverage begins the first of the month following the date of the Change in Family Status. Surency Life & Health must receive notice of the change in eligibility status within 31 days of the Change in Family Status. Otherwise, the change may only be made at the renewal date of the group contract, if the employer allows such open enrollment.
Q: Can I elect coverage in the middle of a contract year?
A: No. Members can only elect coverage at the renewal date of the group contract, if the employer allows open enrollment periods, or when a Change in Family Status occurs.
Q: Can I add, increase or decrease supplemental coverage for myself and/or a family member at any time?
A: No. Members can only purchase, increase or decrease supplemental life insurance coverage for themselves or dependent family members at the renewal date of the group contract, if the employer allows open enrollment periods, or when a Change in Family Status occurs.
Q: If my employer offers group term life insurance, should I get coverage through my employer or find my own policy?
A: Group term life insurance offered through your employer is an affordable and convenient way to provide protection for your family. Because a group term life insurance policy builds no cash value, it is generally the least expensive type of insurance. Not only do you get to take advantage of a group rate, but you are not required to provide evidence of insurability as long as you enroll when you are first eligible (up to a specified dollar amount).
The policy provides protection for the "term" of the policy, which usually ends when your employment is terminated. If your employment is terminated, you can convert the group policy to an individual whole life insurance policy without providing evidence of insurability.
Q: When must evidence of insurability be submitted to obtain coverage?
A: Evidence of insurability is required if you or your dependents:
• Enroll more than 31 days after the date you are eligible for coverage
• Voluntarily cancelled your insurance and are re-applying
• Apply after your coverage ended because you did not pay the required contribution
• Have not met a previous evidence of insurability requirement to become insured
• Apply for coverage exceeding the guaranteed issue amount
Q: How do I designate or change my beneficiary(ies)?
A: Submit an updated Employee Enrollment and Change Form at any time to your Human Resources department. A beneficiary can typically be either primary, secondary or contingent. It is recommended that you choose both primary and contingent beneficiaries.
Q: I did not receive an ID card. Do I need one?
A: There are no ID cards associated with Surency Life. Proof of coverage can be determined by contacting your Human Resources department or by calling Surency Life & Health's customer service department at 866.818.8805.
Q: If I become disabled and unable to work, can I continue my life insurance coverage?
A: If you become totally disabled while your policy is active, you may be eligible to continue your life insurance coverage without paying premiums for the period of time for which you are disabled. This is called waiver of premium. If you feel you are entitled to have your life insurance premium waived, complete a Waiver of Premium Request Form. Your physician must complete the Attending Physician's Statement and your employer must fill out the Employer's Statement. Once completed, submit the forms to Surency Life & Health. Eligibility for waiver of premium is determined by Surency Life & Health and is based on the provisions of the group policy.
Q: Can I take my life insurance coverage with me when I leave my current employer?
A: Should your employment terminate with your current employer, you have the option to convert your group life insurance coverage to an individual whole life policy without providing evidence of insurability. However, you cannot convert your accidental death and dismemberment benefits.
Employees opting for conversion will be individually rated as the policy is no longer a group life insurance policy. Please see your employer for more details.
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Q: What does AD&D mean?
A: Accidental Death and Dismemberment. An employer can add this provision to a life insurance policy for payment of an additional benefit if death, loss of limb or sight results from an accident.
Q: What does my AD&D coverage entail?
A: For a complete description of your AD&D coverage and any exclusions, refer to your life insurance certificate, which provides a detailed description of all benefits. You can also contact your Human Resources department or Surency Life & Health's customer service department at 866.818.8805.
Q: What does Surency Life & Health consider an accident?
A: An accident is an event or occurrence that is sudden, unforeseen and unintended.
The following are not considered accidents: suicide or any attempt at intentional self-inflicted injury; sickness, disease or infections of any kind; travel or flight in or on any vehicle used for aerial navigation other than as a passenger on a regularly scheduled aircraft flying between established airports; declared or undeclared war; full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority; the Insured Person being under the influence of drugs or alcohol or voluntary intake of poison, drugs, gas, fumes or intoxicants, unless taken under the advice of a Physician; the Insured Person's commission of or attempt to commit a crime; or medical or surgical treatment for any of the above.
Q: How are benefits payable for AD&D coverage?
A: An accidental death benefit is paid in addition to your life benefit, commonly referred to as double indemnity.
Q: Can I convert my AD&D coverage when I leave my current employer?
A: No. Only life insurance coverage, not AD&D, is eligible for conversion.
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Q: How do I file a life and/or AD&D claim and what documents must I submit?
A: Complete a Life Claim Form and mail it to Surency Life & Health along with a certified death certificate, the most current Employee Enrollment and Change Form, a copy of the Enrollment Form (if employer-paid), proof of premium payment (if employee-paid) and payroll records (if benefits are based on earnings). Medical records may be requested if the death occurred within two years of the insured's effective coverage date.
If cause of death was due to an injury or accident (homicide, motor vehicle accident, etc.), check the Accidental Death Claim box on the Accidental Death Claim Form. Note that additional documents may be requested such as a copy of the police report, autopsy report with toxicology results, newspaper clippings or obituary.
If loss of limb or sight occurs due to an injury or accident, submit a Dismemberment Claim Form.
Q: How many days do I have to submit a life and/or AD&D claim?
A: Written proof of loss must be furnished to Surency Life & Health within 90 days of the date of loss. Failure to furnish such proof within the time required will not reduce or deny any benefits if the proof is given as soon as reasonably possible. However, in no event other than legal incapacity, will proof be given more than one year after the date of loss. If proof of loss is filed outside these limits, the claim will be denied. These limits will not apply while the insured or beneficiary lacks legal capacity.
Q: How do I file an accelerated claim form and what documents must I submit?
A: To qualify for accelerated benefits, you must have been diagnosed as being terminally ill while insured under a Surency Life policy. To apply for accelerated benefits, you must complete an Accelerated Benefits Form and mail it to Surency Life & Health. Before payment of benefits can be made, your attending physician must certify that you have a limited life expectancy. Once approved by Surency Life & Health, you will receive a portion of your life benefit. Certain limitations apply. Please contact your Human Resources department for complete details regarding this provision.
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Q: Why was my son/daughter taken off my life insurance policy?
A: Under most group life insurance plans, dependents over age 19 are not eligible for life insurance coverage unless they are full-time students, earning at least 12 credit hours per semester. If your child is eligible for student coverage, please notify your Human Resources department so he/she can be reinstated on your policy.
Q: What must I send to Surency Life & Health to verify my child's full-time student status?
A: We need a copy of a document providing proof that the student is enrolled in at least 12 credit hours. Acceptable documentation includes a copy of a paid tuition bill indicating class schedule or a letter from the registrar. Please fax this documentation to Surency Life & Health's Eligibility department at 316.462.3394.
Q: I have a dependent who is fully disabled; how long is he/she covered under my plan?
A: As long as the individual remains disabled and is fully dependent on you for support, and unmarried, he or she can remain a dependent on your insurance policy. Written proof is required from the attending physician to verify the dependent's condition.
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