Monthly bills are generated and mailed from our office each month. We strive to have your bills mailed to you by the 25th of each month for the coming month. Each billing will have your employees listed in the order that you requested; social security number, alphabetical or employee number. Each employee will have all of his/her policy(s) numbers listed with the amount due for each policy and then an overall total due for each employee. Product type, coverage type and effective dates for each policy will be indicated on the list bill. Listed below are the different codes used to determine who has coverage under the policy. This code will be listed on your bill under coverage type.

• I – Individual
• C- Couple (applies only to DENTA-CARE policies) indicates that only two people are insured on the policy, could be applicant & spouse or applicant and one dependent.
• F – Family Coverage
• P – Single Parent Family
• S - Applicant & Spouse coverage only

All policies have a 31 day grace period in which premium should be received in our office. Groups participating in a Section 125 or Cafeteria plan in which premiums are being deducted in the same month that the premium is due are allowed an additional 15 days to remit payment.

Our goal is to send complete and accurate billing statements each month. In the event you find information that is inaccurate please mark your statement with the correct information so that we can update our records. If you wish you may email us or contact our Customer Service Department at 1-866-874-5725 and speak to one of our representatives who will assist you.

In the event an employee wishes to cancel their coverage, simply mark through the policy or policies that should be canceled and reduce the total amount due by the amount being canceled. For our records, please submit a request for the cancellation along with your remittance. The request should be signed and dated by the employee. (NO SPECIAL FORM IS REQUIRED)

To cancel an employee’s coverage due to termination, draw a line through the employee’s name and indicate that the employee has been terminated. Reduce the total amount due by the amount.

As a courtesy to our customers, if the policy is eligible to be kept on an individual basis we will notify employees when premiums are no longer being paid through payroll deduction and offer alternative billing methods. Employees requesting to continue their coverage after separation may also complete the enclosed BENEFIT CONTINUATION REQUEST CARD and drop it in the mail to us. Certain products are only available under a group master policy and can only be carried under the group plan. To identify these products look on your billing statement under the column headed (GRP). If there is a (Y) placed in this column it is a group specific product and is not eligible to be kept on an individual basis.

Group policies with the exception of Disability products are eligible to be kept under COBRA. Any employee wishing to continue coverage under COBRA, should complete a CONTINUATION OF COVERAGE application (form APLCOB) and submit it to our office along with the 1st month’s premium due. Employees who are participating under COBRA will appear on your monthly invoice. You will be able to identify these participants, as the word COBRA will appear out beside his/her name. The eligible person is responsible for submitting premium to your office each month. Once the eligibility period expires, we will notify your office and the eligible dependent that coverage has terminated. For additional information on the COBRA act see the compliance section of your administration kit.

If an employee is off without pay or if a premium payment is missed, the policy will lapse. Upon returning to work the employee must complete the APPLICATION FOR REINSTATEMENT form number MP-3 (6/81) and submit it to our office for approval. Dental policies are not eligible for reinstatement, however if the employee returns to work within 60 days they may pay the entire back premium and continue the dental coverage in force. All other policies are eligible for reinstatement up to 6 months after lapsing. DO NOT RESUME PAYING PREMIUM UNTIL OUR OFFICE HAS NOTIFIED YOU THAT THE REINSTATEMENT HAS BEEN APPROVED.

Policies other than dental can be reinstated up to 6 months after cancellation. If an employee chooses to cancel his/her policy and later wishes to continue coverage, they will need to complete the APPLICATION FOR REINSTATEMENT form number MP-3 (6/81) and submit it to our office for approval. Upon receipt of the application a determination will be made to approve or decline the reinstatement. We will notify the employee of the decision and if approved we will send a new payroll authorization for the employee to sign and turn in to the payroll office. DO NOT RESUME PREMIUM PAYMENTS UNTIL YOU HAVE BEEN NOTIFIED THAT THE REINSTATEMENT HAS BEEN APPROVED.

The following changes should be applied for on the POLICYOWNER’S REQUEST FOR POLICY CHANGE form MP-2 (681).

• Name change – Complete section 2
• Address change – Section 6
• Change of Occupation – Section 4
• Change of Ownership – Section 3
• Change of Beneficiary – Section 1
• Dropping Dependents
• Dropping Riders from a policy

The completed form should be mailed to our office at the following address:

American Public Life Insurance Company
P. O. Box 925
Jackson, Ms 39205

You may also fax your completed form to our office at 1-601-932-9011. All requests for changes should be received in our office 30 days prior to the desired change date.

Employees wishing to drop dependents from coverage should complete section 6 on the POLICYOWNER’S REQUEST FOR POLICY CHANGE form MP-2 (6/81) indicating “Drop Dependent Coverage” and specifying which dependents if not all that should be dropped. Upon receipt of the request our records will be updated and a new payroll authorization reflecting the premium change will be forwarded for the employee to sign. The request for canceling dependents should be received in our office 30 days prior to the desired cancellation date.

Dependents can be added to dental policies on the policy anniversary date or at any time when a qualifying event has occurred. Qualifying events are as follows:

• Marriage
• Divorce
• Birth of a Child
• Adoption of a child or placement of a foster child
• A change in spouses employment
• Death of a spouse

Dependents can be added by completing a new application. If the Dependents are being added due to a qualifying event, a brief description of the event should be stated on the back of the application. Requests to add dependents must be received in our office 30 days prior to the desired effective date.

Dependents being added to coverage after the policy has been issued are subject to insurability. In order to add dependents, please have the employee a new application, which can be obtain from your agent or you may email us and we will have an agent contact you. Upon receipt of the request a determination will be made for the issuance of the new coverage. We will notify the employee of the issuance decision and if necessary send a new payroll authorization for the employee to sign. Request to add dependents must be received in our office 30 days prior to the desired effective date.