Welcome to Snowden Benefits!
Frequently Asked Questions
Q. Do I have to use the same waiting period for all employees
under my group plan?
A. Yes, and the paperwork must be processed within 30 days
of the date in which they should have become effective.
Q. What if new employees apply late?
A. Their health coverage can be postponed until your groups
open enrollment. Their life and disability coverage could be medically underwritten
and subject to denial.
Q. Can employees make changes to their health plan during
the year or just at renewal?
A. They can make changes and additions to their contract
if there is a qualified event. Qualified events are birth, adoption, marriage,
court order, divorce, loss of other group coverage (if they waived your
plan and were covered under their spouse’s employer’s plan,
then lost that coverage due to change in job, etc.). They only have 30 days
in which to react to a qualified event.
Q. Would our agent be available to provide employee meetings
and explain the programs?
A. Yes, we recommend such meetings so that the benefits
are understood and properly used.
Q. Will employees be subjected to a new waiting period
when returning from a layoff?
A. Many policies permit us to add an employee back into
the plan within 60 days without going through the waiting period. Some carriers
will permit you to set your own guidelines as long as you provide them to
us in writing prior to the layoff.
Q. Can employees purchase additional amounts of life coverage
through the group-term life program?
A. Some carriers do provide this benefit. If your carrier
does not, we will be happy to quote an individual product.