RTQ
Where do you find Sun's coverage type in their EE data?
EHC and Dental column
NEVER dep. Life column
How small can a row be
1) with information
2) Blank
size 15
size 7
Which Carrier's pooling threshold is $12,500
Blue Cross
Name three places on pdrive to look for EE data
Client Folder (admin & booklets)
EE data renewals
Renewal folder
What does TPA stand for?
BONUS - give an example of one
Third Party Administrator
sirius, bbd, rwam
Which type of drug coverage only allows a limited # of dispensing fees?
Generic Only
The scaling % in plan comparison summaries we do not go below
75%
Who is the only carrier that can offer Generic Only drugs?
Manulife
Where do you find the pool claims for Canada Life?
Executive Summary Page in the renewal
What is it called when someone missed the enrolment window?
Late Applicant
The funding arrangement requests specifically handled by SAEs
ASO
When do we require hard lines on the ss
On alternate rate pages when a) the volume changes b) the current carrier didn't quote the alternate
Duration of RBC's LTD survivor benefit
3 months
The carrier whom we do not request current commission from
Canada Life
What is the TLR
The break even amount for carriers before claims start negatively impacting their renewal
How do you calculate the commission increase for an essential advisor when current commission is standard scale?
Convert to a Flat % using the Commission Schedule Calculator
When do we require a cover page on inforce groups
After the renewal date has passed or if the group is not ours
Empire Life's para practitioners with combined maximums (2 sets - 4 total)
Podiatrist & Chiropodist;
Psychologist & Social Worker
Name three places to check for missing EE data and occupations
LinkedIn
Company website
Previous RTQ's
What are Pooled Claims
Claims over the pooling threshold ($10,000) OR any claims that are pooled from 1st dollar OOC (often hospital)
What Information do we require for an ee on LTD (name 5)
Name
Occupation
Date of disability
Expected Return
Life waiver approved?
Nature of disability (not as often)
What section of a report cannot be split up
From the rate guarantee onwards
Which 3 carriers can accommodate 2 life groups
Empire Life
Manulife Financial
Sirius Benefits
How can we get experience reports and employee data from Manulife
Send request to the reporting email
Bonus 200 if you can name the email address
What does experienced-rated mean? Which 3 benefits does it refer to
Claims for these benefits will be considered at renewal to determine the increase/decrease. EHC, DTL, STD