- Highlights
- FAQ
- Forms
- Contact
- Carrier
Short-Term Recovery Insurance Highlights
Underwritten By: Hartford Life and Accident Insurance Company, Simsbury, CT 06089
If you're an ASCE member age 65 or over recovering from an accident, surgery, or illness, you’ll likely want to be in control of your care. But without a backup plan like the ASCE Group Short-Term Recovery Insurance Plan, you may not be able to afford the type of care you deserve. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care, and homemaker services are frequently not fully covered by Medicare. ASCE Group Short-Term Recovery Insurance was designed to help you financially for an approved recovery program from an illness or injury. (See Plan brochure for complete details.)
With the ASCE Group Short-Term Recovery Insurance Plan in place before an illness or injury occurs, you are eligible to receive:
Please read the attached brochure in the Forms tab for more information (including costs, exclusions, limitations, and terms of coverage) on this plan.
Policy Form #SRP-1151 A (HLA)(5429)If you're an ASCE member age 65 or over recovering from an accident, surgery, or illness, you’ll likely want to be in control of your care. But without a backup plan like the ASCE Group Short-Term Recovery Insurance Plan, you may not be able to afford the type of care you deserve. Home recovery care, including home nursing service, physical and occupation therapy, speech therapy, companion care, home health care, and homemaker services are frequently not fully covered by Medicare. ASCE Group Short-Term Recovery Insurance was designed to help you financially for an approved recovery program from an illness or injury. (See Plan brochure for complete details.)
With the ASCE Group Short-Term Recovery Insurance Plan in place before an illness or injury occurs, you are eligible to receive:
- Up to $1,000 Cash Benefits for Hospital or Skilled Nursing Facility Stays
- Up to $4,000 Cash Benefits for Home Recovery Care
Please read the attached brochure in the Forms tab for more information (including costs, exclusions, limitations, and terms of coverage) on this plan.
Short-Term Recovery Insurance FAQ
How do I calculate the rate on an ASCE Group Short-Term Recovery Insurance plan?
Monthly premium contributions for both the member and spouse are based on the member's age at last birthday. You cannot be singled out for a rate increase—your rates will not be changed unless they are for everyone in your age group. Rates are based on your attained age and increase as you enter a new age category.
Can my spouse obtain separate coverage?
You can obtain coverage for yourself and your spouse, but your spouse's coverage ends when your coverage terminates or the date you and your spouse are legally divorced from one another.
How long does the application process take? When will my coverage become effective?
Your protection starts as soon as the first day of the month after we receive your confirmation form and first premium payment. Then, you can keep your ASCE Group Short-Term Recovery Insurance as long as you want—it won't end due to age like many other insurance plans.
Do I have to take a medical exam, blood test, or other health analysis?
Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.
Will pre-existing conditions be covered?
Conditions Prior to Effective Date: During the first 6 months of a covered person's insurance, losses incurred for Pre-Existing Conditions are not covered. This will not apply to loss that the covered person incurs after being free of medical care for the condition for a 6-month period (ending any time on or after his or her effective date).
A Pre-Existing Condition means any injury or sickness, diagnosed or undiagnosed, for which medical is received by a covered person within the 6-month period prior to the covered person’s effective date of insurance. For the purposes of this limitation, we will consider: a) Medical care received with a physician is consulted or medical service is given; or treatment is recommended or prescribed by, or received from a physician; b) Treatment to include buy not be limited to, any medical examination, test, attendance or observation; medical services, supplies or equipment, including their prescription or use; or prescribed drugs or medicines, including the prescription or use; All manifestations, symptoms, or findings which result from the same or related accident or sickness; are considered to be the same accident or sickness for the purpose of determining a Pre-Existing Condition.
Who are the insurance carriers?
The ASCE Group Short-Term Recovery Insurance Plan is Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT 06089. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company of Hartford Life and Accident Insurance Company.
Who administers the Program?
The ASCE Group Insurance Program is administered by Pearl Insurance, who uses the power of group purchasing to bring you substantial premium savings. Pearl Insurance strives to provide ASCE members with the most relevant, competitively priced member benefit insurance packages for individuals and families available. We've been providing associations like the ASCE with quality group coverage for nearly 55 years. Contact Pearl Insurance at 1.800.650.ASCE (2723).
Who recommends/approves benefit changes or premium changes?
All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
Policy Form #SRP-1151 A (HLA)(5429)Monthly premium contributions for both the member and spouse are based on the member's age at last birthday. You cannot be singled out for a rate increase—your rates will not be changed unless they are for everyone in your age group. Rates are based on your attained age and increase as you enter a new age category.
Can my spouse obtain separate coverage?
You can obtain coverage for yourself and your spouse, but your spouse's coverage ends when your coverage terminates or the date you and your spouse are legally divorced from one another.
How long does the application process take? When will my coverage become effective?
Your protection starts as soon as the first day of the month after we receive your confirmation form and first premium payment. Then, you can keep your ASCE Group Short-Term Recovery Insurance as long as you want—it won't end due to age like many other insurance plans.
Do I have to take a medical exam, blood test, or other health analysis?
Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. Depending on your age, the amount of coverage you request, and your answers on the application, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.
Will pre-existing conditions be covered?
Conditions Prior to Effective Date: During the first 6 months of a covered person's insurance, losses incurred for Pre-Existing Conditions are not covered. This will not apply to loss that the covered person incurs after being free of medical care for the condition for a 6-month period (ending any time on or after his or her effective date).
A Pre-Existing Condition means any injury or sickness, diagnosed or undiagnosed, for which medical is received by a covered person within the 6-month period prior to the covered person’s effective date of insurance. For the purposes of this limitation, we will consider: a) Medical care received with a physician is consulted or medical service is given; or treatment is recommended or prescribed by, or received from a physician; b) Treatment to include buy not be limited to, any medical examination, test, attendance or observation; medical services, supplies or equipment, including their prescription or use; or prescribed drugs or medicines, including the prescription or use; All manifestations, symptoms, or findings which result from the same or related accident or sickness; are considered to be the same accident or sickness for the purpose of determining a Pre-Existing Condition.
Who are the insurance carriers?
The ASCE Group Short-Term Recovery Insurance Plan is Underwritten by Hartford Life and Accident Insurance Company, Simsbury, CT 06089. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company of Hartford Life and Accident Insurance Company.
Who administers the Program?
The ASCE Group Insurance Program is administered by Pearl Insurance, who uses the power of group purchasing to bring you substantial premium savings. Pearl Insurance strives to provide ASCE members with the most relevant, competitively priced member benefit insurance packages for individuals and families available. We've been providing associations like the ASCE with quality group coverage for nearly 55 years. Contact Pearl Insurance at 1.800.650.ASCE (2723).
Who recommends/approves benefit changes or premium changes?
All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
Short-Term Recovery Insurance Forms
Short-Term Recovery Insurance Brochure (includes rates)
Short-Term Recovery Insurance Application (download and mail)
Statement of Claim
Policy Form #SRP-1151 A (HLA)(5429)Short-Term Recovery Insurance Application (download and mail)
Statement of Claim
Short-Term Recovery Insurance Contact
| Address: | ASCE Member Insurance Program 1200 East Glen Avenue Peoria Heights, IL 61616-5348 |
| Phone: | 800.650.ASCE (2723) |
| Email: | customerservice@asceinsurance.com |
| Website: | http://www.asceinsurance.com |
The Hartford
The Hartford1 is one of the largest life and disability insurance groups in the U.S. Its investment portfolio is of the highest quality, and its financial returns continue to earn strong stable ratings in the industry. The Hartford issuing companies are rated A+ by A.M. Best, an independent industry analyst.2 Along with a reputation for rock solid financial stability, this carrier has become known for its innovation in developing products for today's insurance climate.
This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy or Master Policy AGP-5429 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
1 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
2 Based on ratings as of 12/31/2008. A+ is the second highest of 15 A.M. Best categories.
Policy Form #SRP-1151 A (HLA)(5429)This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy or Master Policy AGP-5429 as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
1 The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.
2 Based on ratings as of 12/31/2008. A+ is the second highest of 15 A.M. Best categories.
| Address: | Hartford Life and Accident Insurance Company Simsbury, CT 06089 |
