Employers
Frequently Asked Questions
This page provides answers to frequently asked questions that deal with administrative issues.
Where can I get a supply of administrative forms?
How do I notify HM Insurance Group (HM) of an employee termination?
Who should I call with billing questions?
Where can I get a claims experience report?
What is the process for converting coverage for an employee?
Who should a policyholder contact to order more certificates?
Who can I contact to verify that my payment was received?
When must an employee complete an evidence of insurability form?
How do I add an employee?
To become covered, an individual must meet the following provisions as described in the Certificate of Insurance:
- Be an eligible employee
- Complete the waiting period (if applicable)
- Be actively at work
- Provide Evidence of Insurability (if applicable)
Notify employees when they are eligible to apply for insurance and when their insurance becomes effective. Maintain signed and dated enrollment forms and submit them to HM when applicable.
Have each new insured employee complete an Insurance Enrollment Form before the end of the "eligibility waiting period."
Each employee should receive a copy of the Insurance Enrollment Form. It should be completed, signed, dated and returned to the Plan Administrator. The employer always retains the original.
If your Group Policy/EPC offers Dependent Life coverage, the enrollment procedures and eligibility guidelines are outlined in the "Dependent Life Insurance" portion of the Group Policy.
Copy Distribution of Enrollment Forms: This process depends on the billing method. You will receive one copy of the form. Be sure to make copies of the form for the appropriate individuals.
| Distribution | Self Administration |
List Bill |
Original Enrollment Form |
Keep this form with the employer’s insurance records. It will be required in the event of a claim. |
Keep this form with the employer’s insurance records. It will be required in the event of a claim. |
Employee Copy |
Provide a copy to the insured employee stapled to his/her Certificate of Insurance |
Provide a copy to the insured employee stapled to his/her Certificate of Insurance. |
HM |
Do not send to HM. |
Submit a copy of the form to HM to determine the effective date and calculation of benefits. HM will retain for files. |
Active Work Requirement: To become insured, an eligible employee must be Actively at Work.
Where can I get a supply of administrative forms?
Forms are available on the Guides & Forms section of this site. If the form you need is not there, contact your CSC at (800) 833-1115.
How do I notify HM Insurance Group of an employee termination?
Report enrollment changes and terminations for list billing only.
Notify HM, in writing, of all employee changes as soon as they become effective, including name, salary and class changes. Provide the exact effective date of all changes. Prompt reporting of such changes will help prevent delays in claim payments and ensure accurate premium charges.
How do I reach my CSC?
If you have questions about your insurance plan, contact Customer Service toll-free at (800) 833-1115 or by e-mail at customerservice@hminsurancegroup.com.
Who should I call with billing questions?
If you have any questions regarding your bill, please
contact the Billing Department at (800) 833-1115 or e-mail HM at customerservice@hminsurancegroup.com.
Where can I get a claims experience report?
If you need a claims experience report, please contact your producer.
What is the process for converting coverage for an employee?
Your employees may have the right to convert their Group Life Coverage to an individual policy when their Group Life Insurance terminates or reduces in amount. For more information about termination of an employee’s insurance and conversion rights, see your Certificate of Insurance.
Employees who choose to convert to an individual policy must do so within 31 days from the date their coverage under the Group Policy/EPC terminates. The instructions, information on how to calculate the premium and mailing address are on the application form.
Your employees may have the right to convert a portion of their Group Long Term Disability Coverage under certain circumstances when their Group Long Term Disability Coverage terminates. If you have the LTD Conversion option, you must complete the section, "This section is to be completed by the employer," on the Application for Conversion of Group Long Term Disability Insurance form when an employee terminates.
Who should a policyholder contact to order more certificates?
If you have questions about your insurance plan, contact Customer Service toll-free at (800) 833-1115 or by e-mail at customerservice@hminsurancegroup.com.
Who can I contact to verify that my payment was received?
Regular monthly premium payments are required to keep Group Insurance
benefits in effect. If you have any questions regarding your bill or payment,
please contact the Billing Department at (800) 833-1115 or e-mail HM at customerservice@hminsurancegroup.com.
When must an employee complete an evidence of insurability form?
Evidence of Insurability: Evidence of Insurability is required for the reasons below; however, Evidence of Insurability may also be required for other situations as well:
- An employee requests a benefit amount that exceeds the Guarantee Issue Amount.
- An employee applies for Contributory coverage more than 31* days after first becoming eligible.
* Time limit may be 60 days – consult your Certificate of Insurance for details and to determine if your plan has either of the above provisions.
