Q:  What is a “primary beneficiary”?                                                                   A:  The “primary beneficiary” is the person or persons who have first rights to receive policy proceeds when the proceeds become payable.

Q:  What is a “contingent beneficiary”?                                                                     A:  The “contingent beneficiary or beneficiaries” is the person or persons designated to receive the policy proceeds if the primary beneficiary should predecease the person whose life is insured.

Q: Why is my Life Isurance benefit lower than it was last year?                               A: Many schools have age reductions written into their life insurance policies.  Many of the reductions start at age 65 and end at age 80 with a flat $2,000.     

Q: Can I increase the amount of Life insurance i have?                                           A: if you are an active employee you basic life insurance is a set amount that you can not change. You're school may offer supplemental insurance that you can opt to purchase when you first start working or durring you schools open enrollment period that happens once a year.  If you are a retiree you can only have the same amount of life insurance you had when you were actively at work. you may purchase individual life insurance when ever you want.    

Q: Can i change from a PPO to a DHMO dental plan?                                                A: You may only change from a PPO to a DHMO (or vice versa) durring your schools open enrollment period. This happens once a year and varies for each school. you can call us or ask your school when your open enrollment period is.  

Q: What does this cover me for?                                                                               A: Each school has a different type of excess major medical coverage. For information regarding your individual EMM policy please call us.