List Bill Procedures
Easy To use Forms
Acceptance of List Bill Program DOC-7809
Acceptance of List Bill Program
DOC-7809
Acceptance of List Bill Program
DOC-7809
Employers Bankdraft Acceptance If a company bankdraft is selected the employer agrees to be responsible for removing employees Program from the bankdraft account once the employee is no longer eligible to participate in the Companies bankdraft program and that PALIC will not be responsible for refunding any employees premium if the employer failed to notify PALIC prior to processing the deduction from the employers account. We also agree to honor all changes resulting from premium increases due to age changes, rate increase and dependent eligibility when presented.
DOC-7810
Employers Bankdraft Authorization
DOC-7812
List Bill New Business Transmittal Form Standard Issue
DOC-7813
150.00 $30 Per HSPII App with a $150 max per employer.
List Bill New Business Transmittal Form Contingent Issue
DOC-8213
New employee are eligible for benefits in:
30 days 60 days 90 days
days
List Bill New Business Transmittal Form Contingent Issue
DOC-8213
Employment Date For New Employee Additions
List Bill New Business Transmittal Form Contingent Issue We attest that during the past three (3) months, except for minor illness of one (1) week or less or pregnancy, that the employees listed above have not had any illness, injury or health related problem that has prohibited any proposed insured from working full time at his/her regular occupation or performing the normal activities of a person of the same age.
DOC-8213
Employer Welcome Letter
Payroll Deduction and Billing Cycles
Typical List Bill - Pay Periods Semi-Monthly 1st & 15th – Billing Frequency .
Effective Date of Coverage……………………..
E
Monthly Billing ……………………………..……….
B
Send applications and List Bill Transmittal to PALIC
1st Deduction
Sunday
Monday
1
X
Tuesday
2
Wednesday
Friday
Saturday
4
5
9
10
11
12
13
16
17
18
19
20
25
26
7
8
14
15
21
22
23
24
28
29
30
31
X
Thursday
3
Applications
Monday
Tuesday
Wednesday
Thursday
1
Deduction
1st Deduction for second months premium etc.
24 pay periods a year
Copy of List Bill Transmittal
Sunday
2nd
X
Pay Periods……………………………………….……
(Monthly)
X
LBT
Friday
2
4
5
6
7
8
11
12
13
14
15
18
19
20
21
22
23
25
26
27
28
29
30
9
X
B
16
6
27
Provide listing of employees and deductions to employer.
List Bill sent 15 days prior to due date
Saturday
3
E
10 17 24
Effective Date and billing Due Date. Additions will be on the same day of the following month(s)
Bi-Weekly Deductions with Premium Holiday
Bi-Weekly Deductions with Premium Holiday
Rules for Contingent Issue Underwriting
Rules for Contingent Issue Underwriting Employer Eligibility: The industry must not be on this list of Ineligible Industries. Adult Entertainers/Dancers, Armed Services (Active Duty), Asbestos/Toxic Chemical Workers, Athletes-Professional or Semi-
Professional (who participate in a contact sport such as (Football, Soccer, Basketball, Baseball, Wrestling), Crop Dusters, Explosive Workers, Gambling and Racing related workers, High Rise Steel workers, Legal Professionals-We will consider attorney’s handling
criminal cases not civil cases, Physicians, Race Car Drivers, Rodeo and Circus worker, skydivers, Stuntmen, Underground Workers, Unemployed due to disability, Window washers above 3 stories
Rules for Contingent Issue Underwriting Employee Eligibility: The HSPII and Critical Illness plans are available as long as the employee has not reached age 65. Employee’s must work at least 28 hours weekly to be included in the list bill.
INITIAL ENROLLMENT PERIOD is the time that an employee is eligible and applying for coverage and last for 31 days. For employee’s to be added after the initial enrollment period, they will be considered a late enrollee and must wait until the waiting period is met. This period is determined by the employer and the employee must apply within 31 days after that time period. Otherwise they will be subject to full underwriting.
Rules for Contingent Issue Underwriting Dependent Eligibility: Spouses-Ages 17-65, Dependent Children Ages 0-25 (This may vary by state) Coverage may be applied for when the employee is eligible and applying for coverage in order to qualify for contingent issue. All applicants purchasing Critical Illness will have to answer the questions on the Critical Illness application. If an employee marries, adopts a child or is court ordered to cover eligible dependents, those dependents must apply for coverage within 31 days of the time they are eligible. Anyone applying meeting this and wants to purchase Critical Illness must answer all of the questions on the Critical Illness application. - Any late enrollee must show evidence of insurability at the expense of the employee
Eligibility Guidelines Total Eligible Employees
Minimum #
Underwriting**
8-12 employees
8 Participating Employees
13-24 employees
12 Participating Employees
25 - 49
16 Participating Employees
50+
Please check with the Under 65 Marketing Department
Max of (1 unit-min $1,000 Deductible) or (2 unitsmin $2,500 deductible). ALL Applicants MUST PURCHASE THE SAME AMOUNT of coverage. No Phone Interview. They may apply for up to $30,000 of CI benefit and answer NO to all of the questions on the CI application to be eligible. Max of (1 unit-min $1,000 Deductible) or (2 unitsmin $2,500 deductible). ALL Applicants MUST PURCHASE THE SAME AMOUNT of coverage. No Phone Interview. They may apply for up to $30,000 of CI benefit and answer NO to all of the questions on the CI application to be eligible. Please check with the Under 65 Marketing Department
> 100
Please check with the Under 65 Marketing Department
Please check with the Under 65 Marketing Department
Max of (1 unit-min $1,000 Deductible) . No Phone Interview. They may apply for up to $30,000 of CI benefit and answer NO to all of the questions on the CI application to be eligible.
** Unless Pre-Approved by underwriting for special consideration
Rules for Contingent Issue Underwriting 1. The first requirement for an agent to use the eApp for an employer sponsored list bill is that prior to starting the enrollment they must send in the Employers Acceptance of List Bill Form 7809. In presenting an Employer Bankdraft Program both the Employer Bankdraft Acceptance Form 7810 and the Employer Bank Draft Authorization Form 7812. must be sent in prior to starting the enrollment. Once we receive the completed forms (that adheres to list bill rules) the HO will email or fax the agent a List Bill Number.
Rules for Contingent Issue Underwriting
When multiple agents use the same computer, make sure the Agent ID is correct before you start the application process. The system retains the last number used until changed.
Make sure you use the same Effective Date on each application. This will provide the correct rate for age based on the effective date of the list bill. Effective dates should be at least 6 weeks from the date you complete the enrollment.
Rules for Contingent Issue Underwriting 2. We have added Payment Mode with a drop down box to the first screen. The default will show as Monthly Bankdraft. Once you select either Monthly List Bill or Monthly Employer Bankdraft a box will pop up asking for the Billing Number. The List Bill Number will need to be entered into the eApp before you can proceed with the application process.
The number will start with three alpha letters GBN and followed by 6 numbers. Example GBN 012345. – Zero not an alpha “O”
Rules for Contingent Issue Underwriting 3. Under Plan Selection another group of boxes will appear under the heading GI and adjacent to each plan selection. To qualify for Contingent Issue Underwriting the enrollment must meet the Guidelines. Checking the boxes will determine which questions will be asked during the application process. If you check a box and don’t meet the guidelines you will have to go back and take a full app from each employee.
Rules for Contingent Issue Underwriting 4. For your convenience we have included all the List Bill Forms on the eApp under the “Forms” tab. They are also available on the Agent Website.
Rules for Contingent Issue Underwriting 5. In order to add a Split Agent to your application, you must first add the Split Agent to your computer system as listed on the bottom of the opening page
Rules for Contingent Issue Underwriting 6. If you select Payroll Deduction on the last screen the authorization will appear. Create a PDF of the authorization and provide a copy to the payroll administrator in alphabetical order.
Post Sales and Service •
Check all applications. Do you have all the required information and signatures?
•
Complete the New Business Transmittal.
•
Provide a copy of the New Business Transmittal to payroll administrator.
•
Review the List Bill with the payroll administrator and confirm when the first deductions will start and when the first billing will arrive.
Post Sales and Service
Make sure the payroll department knows how to contact you or someone at Philadelphia’s American Life’s home office if they have concerns. PALIC will send out a welcome letter to the payroll administrator with contact information, an “800 Number”, and a Q & A brochure on our billing and collection process.
Take the opportunity to setup a time for the annual review. This can be profitable in four ways. 1. Increase or add coverage to employees who are already participating
2. Solicit new employees 3. Solicit employees who are currently not participating 4. Reinforces your position within the account.
Post Sales and Service Some agents feel their job is done after they have taken the employees’ applications and they shortcut the rest of the process. The result of doing this is spelled
L-A-P-S-E
Important To Remember A. On payroll deduction business you must set the effective date 6 weeks after you complete the enrollment to allow the payroll clerk enough time to enter the deduction into their payroll system as well as time to deduct the premium amount from at least 2 pay periods.
B. Age is based on the effective date of coverage so make sure you have the correct age quoted otherwise the premium will be incorrect and will cause an amendment and a delay in the group. C. We only do MONTHLY Bills (24 pay periods—2 pay periods a month) we DO NOT do 13thly (26 pay periods—paid every 2 weeks). We send a bill to the employer 15 days prior to the effective date.
Important To Remember D. All Additions to a Group must be on the same day of the month as the current employers list bill. We do not allow for multiple billing dates in the same month. E. On Additions to a Contingent Issue Group you must send the signed List Bill Transmittal (Form 8213) to the HO at either the email address or fax number listed below for verification of eligibility. F. To receive case approval please email the forms to
[email protected] or if you prefer to fax send to fax number 281-310-8292. You can fax a copy of the employers check for group setup fee $150 to start the process but you must also mail the Actual Check with Transmittal to PALIC at the mailing address listed below. Philadelphia American Life P.O. Box 4884 Houston, TX 77210-4884 Attn: New Business / List Bills
Thank You
