Have a question for any group life specialists re employee benefits.
Please know I appreciate anyone's feedback.
How do group plans serve notice of individual requests of cancellation of coverage and reinstatements alike to the employee? Reinstatement would require retro payments right?
Husband has supplemental life at work in addition to 'core' with MetLife. Looks like layoff is imminent, and have been reviewing conversion options.
Group plan states conversion/portability requires proof of 5 years of coverage for conversions. We've been communicating with VP of benefits regarding this issue asking for documentation of the supplemental life enrollment and effective date.
Yesterday the VP emails her research shows
this group life policy was terminated (at who's request?) then reinstated ... all of which trumps the 5 year proof of previous coverage. I think his initial effective year was 2007, and we never requested cancellation or were aware of a reinstatement 2010. I don't understand group plans. The VP also stated when a COBRA pkg. is offered, the provisions and data are supplied at that time. I think some premium in refunds are due the employee/insured. Should not Met or the company provide documentation re cancellation and reinstatement requests?
So sorry it's this long...
Please know I appreciate anyone's feedback.
How do group plans serve notice of individual requests of cancellation of coverage and reinstatements alike to the employee? Reinstatement would require retro payments right?
Husband has supplemental life at work in addition to 'core' with MetLife. Looks like layoff is imminent, and have been reviewing conversion options.
Group plan states conversion/portability requires proof of 5 years of coverage for conversions. We've been communicating with VP of benefits regarding this issue asking for documentation of the supplemental life enrollment and effective date.
Yesterday the VP emails her research shows
this group life policy was terminated (at who's request?) then reinstated ... all of which trumps the 5 year proof of previous coverage. I think his initial effective year was 2007, and we never requested cancellation or were aware of a reinstatement 2010. I don't understand group plans. The VP also stated when a COBRA pkg. is offered, the provisions and data are supplied at that time. I think some premium in refunds are due the employee/insured. Should not Met or the company provide documentation re cancellation and reinstatement requests?
So sorry it's this long...