|How do employees apply for Group Life Waiver of Premium?
|They may apply after being disabled for the period of time specified in the policy (refer to your policy for specific details). This period begins on the day the employee was last actively at work.|
Symetra must receive written notice of a Waiver of Premium claim within 3 months after completing the period specified in the policy. Claims can be submitted earlier if the employee doesn’t expect to return to work because of the disability.
To apply for this benefit the employer must:
|Can terminated employees continue Group Life coverage at group rates?
|Yes. To apply for this benefit:|
- The employer must complete the employer section of the Application for Portability Continuation of Group Life Insurance. You can complete it before giving it to the employee or, if preferred, Symetra can return it to you for completion after we receive the applicant’s section. Requirements for timely submission of the applicant’s section will not be waived to secure employer data.
- The employee must complete the applicant section of the Application for Portability Continuation of Group Life Insurance and submit it, along with the initial premium, to Symetra within 31 days of terminating employment. The initial premium is the current premium rate for the employee (and dependents, if applying). Instructions for determining the premium amount are on the back of the application.
|How do I submit premium if I self-administer my Group Life policy?
Before the first of each month, you’ll receive a self-administered billing statement that provides space for reporting and calculating the monthly premium due. The policyholder name, policy number, month for which premium is due and current rates for each coverage you’ve purchased are preprinted on the statement.
|My Symetra Group Disability policies are self-administered. How will I know how much premium to submit each month?
|Your monthly Summary Billing Statement provides space for reporting and calculating the monthly premium due. Your administration kit provides details and examples to follow to ensure that the premium you submit is accurate. |
Learn more about self-administering a short-term disability policy.
Learn more about self-administering a long-term disability policy.
|How do I submit premium if I list bill my life and/or disability policy?
|The monthly statement mailed to you before the first of each month shows each employee’s name, birthdate, effective date of coverage, benefits selected and premium. The adjustment column of your first statement will reflect any unpaid premium from the policy’s effective date up to the current billing date. It will also reflect transactions that change an employee’s coverage or premium. Changes received after the 15th of the month will not be indicated; they will be included on the next statement. |
Learn more about list bill premium submission.
|How do I change benefits for an employee?
|If an employee has a mid-plan year qualifying event, such as marriage or a new child, the employee must complete a new enrollment form and, if needed, a Change in Beneficiary form. See the forms section for the required form. |
|How do I submit a Group Life claim for an employee?
|Life insurance benefits may be payable if an employee dies while insured under a plan. To ensure prompt claims service, it is essential that all requested information be supplied when a claim is first submitted. |
|How do employees file a Group Disability claim?
Employees must complete the following sections of a Symetra disability claim application before the claim can be processed:
1. Employer’s Statement – your Benefits Department should complete this section
2. Employee’s Statement – employees must complete this section
3. Attending Physician’s Statement – employee doctors complete this portion
4. Authorization and Disclosures form – employees must sign and date before
submitting to Symetra
To ensure quick and accurate claims processing, the employee must submit all four sections; signed and dated where appropriate.
Learn more about how employees file a Symetra Disability claim.