COVID-19

Group Benefits

Frequently Asked Questions

July 10, 2020

Symetra is closely following the Coronavirus Disease 2019 (COVID-19) pandemic. We want to assure you that our operations are functioning and we are available to assist with the current and future needs of you and your employees.

Below are answers to some of the most common questions being asked about how COVID-19 affects basic and supplemental life, short- and long-term disability, absence management, critical illness/specified disease, accident, GapAssist, hospital indemnity and fixed-payment plans.

Employee coverage

[New] Does Symetra fixed-payment insurance cover COVID-19 testing at 100%?

[New] Does fixed-payment insurance cover quarantine in a military base or temporary state housing as an `inpatient hospital stay?'

[Updated] What measures are in place to continue benefits for employees who lose their group coverage as a result of COVID-19?

How will Symetra handle employees whose coverage has not yet become effective due to the impacts of COVID-19? For example: 1. If the group policy became effective on April 1, will employees who were temporarily laid off on that date still have coverage? 2. If an employee elected coverage that would have become effective on April 1, but they were temporarily laid off prior to that date, is that employee still covered?

A covered individual is diagnosed with exposure to COVID-19, and/or is showing flu-like symptoms, and has been quarantined by a medical professional. Are they considered disabled according to the group disability policy, and/or does the medical condition meet the definition of a serious health condition per federal and state leave regulations?

A covered individual is showing flu-like symptoms and has self-quarantined without consulting a physician. Are they considered disabled according to the group disability policy, and/or does the medical condition meet the definition of a serious health condition per federal and state leave regulations?

A covered individual is quarantined, but still working. Are they considered disabled according to the group disability policy, and/or does the medical condition meet the definition of a serious health condition per federal and state leave regulations?

A covered individual is quarantined as a preventive measure, but shows no symptoms and has not been diagnosed with exposure to COVID-19. Are they considered disabled according to the group disability policy, and/or does the medical condition meet the definition of a serious health condition per federal and state leave regulations?

What resources are available to support our employees?

Are COVID-19 tests covered under the critical illness policy optional health screening benefit, and/or the scheduled benefit accident policy wellness sreening benefit rider?

If an employee's coverage was terminated due to a COVID-19-related layoff, furlough, reduction in hours, or change in status from full-time to part-time, are they able to reinstate coverage without being treated as a new entrant?


Administration

What is the grace period if I am unable to pay premium on time?

Is your claim review process affected with teams working remotely?

With remote work in place for most teams, what measures are in place to protect claimant medical history and other protected information?

We self-insure our short-term disability plan. Can we request special handling for COVID-19 related claims?

As my FMLA administrator, how will Symetra support the new Emergency Paid Sick Leave Act?

Our group uses Symetra for FMLA administration. How will you support our employer responsibilities under the new Emergency Family and Medical Leave Expansion Act?

How will Symetra support changes to New York's Disability Benefits Law (DBL) and Paid Family Leave (PFL)?

New Jersey recently modified its Temporary Disability Benefit (TDB) law to support the current COVID-19 crisis. How will Symetra support these changes?

What is Symetra's response to the expansion of Oregon's family leave program to include school and daycare closures?

Federal and state governments are monitoring the COVID-19 situation and making updates to mandated benefits. We are tracking this regulatory environment and have updated information about the Families First Coronavirus Recovery Act (FFCRA) and other state leaves.

Please contact your Symetra representative for more information.

 

Symetra® is a registered service mark of Symetra Life Insurance Company.

The virus to which individuals are exposed is SARS-CoV-2. The disease it causes is COVID-19. For readability, these questions and answers use the term “COVID-19.” Where appropriate, readers should read COVID-19 as the SARS CoV-2 virus.

Symetra Life Insurance Company is a direct subsidiary of Symetra Financial Corporation. First Symetra National Life Insurance Company of New York is a direct subsidiary of Symetra Life Insurance Company and is an indirect subsidiary of Symetra Financial Corporation (collectively, “Symetra”). Neither Symetra Financial Corporation nor Symetra Life Insurance Company solicits business in the state of New York and they are not authorized to do so. Each company is responsible for its own financial obligations. Group benefits are insured by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Not available in any U.S. territory. In New York, group benefits are insured by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124. EAP and health care navigation programs are not available in all states.