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.