Below you will find answers to our frequently asked questions. For further assistance, contact Carol Rowe.

Frequently Asked Questions

  • How do I receive my Wellness Benefit for the Cancer or Critical Illness Plan?

  • The Wellness claim form for our Cancer and Critical Illness plans is on our website, or you can call our office (781-837-9222) for the form.  What the employee will need is a receipt from the doctor’s office for the covered procedure.  That, along with the claim form gets submitted either via the fax number on the form, or can be submitted to our office, and we will forward it along for you.  One wellness benefit per covered person, per calendar year can be submitted.

  • What is the difference between Term Life and Permanent Life Insurance?

  • Term Life – Insurance payable to a beneficiary only when the insured dies within a specific period (or term).  The coverage expires without value if the insured survives the stated period (or term).

    Permanent Life – Permanent Life (or Whole Life) is insurance payable to a beneficiary at the death of the insured, whenever that occurs.  Premiums are payable for the insured’s whole natural life.  Permanent life insurance does build cash value within the policy.

  • What is the difference between a Maternity Disability plan and a “regular” Disability plan?

  • The plans are really one in the same, but when someone thinks they may become pregnant, they should choose a smaller elimination period (either 7 or 14 days) to receive maximum benefits. For Maternity specifically, an employee is eligible for 6 weeks for a “regular” delivery, and 8 weeks for a C section. The elimination period is deducted from the amount of weeks of the maternity claim. (ex.  With a 7-day elimination period, a maternity claimant would receive 5 weeks of the benefit, as there is a 7-day elimination period). These are standard benefits with some of our policies. Benefits can continue longer should there be any issues with the pregnancy, like the need for bed rest.

    If pregnancy is not a concern, any elimination period and benefit period can be chosen, per the employee’s preference.  The average disability policy has a 30-day elimination period with a 12-month benefit period.

  • When can I enroll?

  • A new hire can sign up for benefits within the first 30 days of hire.  Other than being a new hire, employees must wait for an “enrollment period” specified by the city/town prior to enrolling.

  • What is an elimination period?

  • In disability insurance, the time which must pass after date of injury, before the policyholder can collect insurance benefits.  It can also be called a waiting period. The elimination period may be as short as a few days, or as long as a one year or more.

  • What is a benefit period?

  • The number of days for which benefits are paid to the named insured while he remains disabled.

  • How do I make changes to my policy? (name change, duplicate policy copy, address change etc.)

  • The change forms are on our website, or you can call our office (781-837-9222) and we can help you through the process.