Life/AD&D
Explain Conversion
Allows an employee to keep their Life insurance after termination. Policy converts to an individual Whole Life policy based on the employee's age at time of Conversion.
What are the two Vision network options?
EyeMed and FirstLook.
What is FICA Match?
Optional rider that allows Unum to pay the employer's portion of the FICA taxes. Billable or non-billable.
What is the minimum enrollment requirement?
5 enrolled.
What is "BrokerConnect"
Internal branding for our Employee Navigator / Flock integration.
What do we need to quote Life insurance?
DOB and gender. Salary for times salary plans or flat benefits over $100,000.
What is the missing tooth exclusion?
Common with other carriers to exclude coverage for teeth that were missing prior to enrolling in the Dental plan.
How does an employee file a Disability claim?
On MyUnum, mobile app, calling, mailing us. They need an employee statement, employer statement, and a Physician statement.
How many Accident plans do we offer?
4.
What version of ADP do we integrate with?
WorkforceNow.
How many enrolled do you need in each class on a classed out Life policy?
3+ enrolled per class.
What is the difference between a PPO and MAC plan?
The OON reimbursement method. PPO is based on the UCR for a specific area and MAC plans are based on the in-network fee schedule.
Explain Continuity of Coverage
Protects employees who are not actively at work when we take over a Disability policy. They will be covered when they return to work and are no longer disabled. If prior carrier does not continue to pay and they are eligible for benefits, we pay using no loss/no gain method.
Which Critical Illness plans have Be Well tied to the face amount?
Plans 2-4.
What is the difference between an EDI feed and an API?
EDI is a set one-way exchange of information on a regular cadence and API is a cloud-based, real-time connection.
What is the Salary Cooridor provision?
Applicable to times salary plans it increases the benefit as the employee's salary increases without requiring EOI.
Can we quote Retiree Dental?
No.
If an inforce group wants to change their earnings definition during the plan year, what would the process look like and what would be needed?
This would be a non-financial GPC. The request goes to the GSS team.
You’ll need their current earnings, the new definition requested, the effective date, and proof of broker request.
What is Pre-ex Lite?
Optional provision with UW on AACI - removes pre-ex if you enroll at your initial enrollment.
What is the name of the team that completes the ADP demos?
Pre Sale Solutions Directors.
If a group falls below 10 lives on a traditional 10+ Life plan, how long do they have to get back to 10+ enrolled before the coverage will terminate and/or what are their options?
They have 6 months to get back up to 10 enrolled. Can rewrite to 2-9 plan or ask UW for an exception for more time/delayed term date.
Respond to this objection: I don't want to place the Dental with Unum because your rates are too high and Unum is a Life and Disability carrier.
Options for rate relief, bundled solution, strong contract, packaging.
What are 3-5 reasons a group should consider offering IDI?
Portable, level rates, no offsets, higher maximums, no pre-ex.
What are 3-5 reasons a group should work with Unum over Aflac?
No pushy enrollers, streamlined offer, true OE every year, 100% reoccurrence, employer paid options, consolidated claims process, tech integrations.
What aspect of our Rippling integration is API?
Enrollment.