WHEN WILL I RECEIVE MY BILL?
Monthly bills are generated and mailed from our office once a month. We strive to
have your bill mailed to you by the 25th of the month prior to the premium due.
If you have not received your bill by the 1st of the month, when the premium is due,
please contact us via email so that we can send you a new bill.
WHEN IS MY PREMIUM DUE?
All policies have a 31 day grace period in which premium can be received in our
office. Failure to pay the premium within the 31 day grace period will result
in termination of your insurance coverage.
HOW DO I CANCEL MY POLICY?
American Public Life requires written notice to cancel your policy within the grace
period. If premium is not paid within the grace period your policy will automatically
lapse. (NO SPECIAL FORM IS REQUIRED)
CAN MY POLICY BE CONTINUED IF I LEAVE MY EMPLOYMENT?
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 a BENEFIT CONTINUATION REQUEST CARD and
drop it in the mail to us. Your group administrator should have this card in their
administration kit. Certain products are only available under a group master policy and
can only be carried under the group plan or in some cases under “COBRA”. Upon receipt of
your request, we will advise you of your policy’s eligibility.
I’M CURRENTLY ON LEAVE WITHOUT PAY. WILL MY POLICY REMAIN IN FORCE?
If you are off work without pay and a premium payment is missed, the policy will lapse.
Upon returning to work you must complete the APPLICATION FOR REINSTATEMENT form number
and submit it to our office for approval. Dental policies are not eligible for reinstatement,
however if you return to work within 60 days you 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 YOUR PREMIUM PAYMENTS UNTIL OUR OFFICE HAS NOTIFIED YOU
THAT THE REINSTATEMENT HAS BEEN APPROVED.
CAN I REINSTATE MY POLICY?
Policies other than dental can be reinstated up to 6 months after cancellation. If an
insured 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. You will be notified via letter of our
decision. DO NOT RESUME PAYING YOUR PREMIUM UNTIL YOU HAVE BEEN NOTIFIED THAT THE
REINSTATEMENT HAS BEEN APPROVED.
HOW DO I MAKE A CHANGE TO MY POLICY?
The following changes should be applied for on the POLICYOWNER’S REQUEST FOR
POLICY CHANGE form MP-2 (6/81).
The completed form should be mailed to our office at the following address:
- 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 policy riders
American Public Life Insurance Company
P. O. Box 925
Jackson, Ms 39205
You may 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.
HOW DO I DROP MY DEPENDENTS?
Insureds 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. The request for canceling dependents
should be received in our office 30 days prior to the desired cancellation date.
HOW DO I ADD DEPENDENTS TO MY POLICY?
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:
- Birth of a Child
- Adoption of a child or placement of a foster child
- A change in spouses employment
- Death of a spouse
Adding dependents requires a newly completed application. You should contact your local
agent or you may email us and we will have an agent contact you. 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. Applications to add dependents must be received in our
office 30 days prior to the desired effective date.
CANCER, ACCIDENT, DISABILITY, HOSPITAL INDEMNITY, INTENSIVE CARE & LIFE
Dependents being added to coverage after the policy has been issued are subject to insurability
and this change requires a new application to be completed. You may contact your agent
or email us and we will have an agent contact you. Upon receipt of the application, a
determination will be made for the issuance of the new coverage and a letter advising you
of our decision will be sent to you.
Applications to add dependents must be received in our office 30 days prior to the
desired effective date.
HOW CAN I GET A DUPLICATE POLICY?
During the life of the policy, American Public Life will allow one duplicate policy at
no charge, just email us or fax us your request at 601-932-9011. If you have previously
received a duplicate policy and are in need of another one, you will need to mail your
request along with your remittance in the amount of $20.00 to our office at P. O. Box
925, Jackson, Ms 39205.
HOW DO I SET MY POLICY UP ON AN AUTOMATIC BANK DRAFT?
Complete this form number G-112R (12/02) and mail it to our office at P. O. Box 925, Jackson,
Ms 39205 along with a voided check or you may fax your completed form and a copy of
the void check to 601-932-9011.
DO I HAVE TO FILL OUT A CLAIM FORM?
Yes—we need the information necessary to identify your policy and, if it is
necessary to request additional information from your doctor, we must have your
signed authorization from the claim form to do so.
WILL COPIES OF MY MEDICAL BILLS BE OK, OR DO YOU REQUIRE THE ORIGINAL BILLS?
We will accept legible copies of your medical bills.
WHAT IS AN ITEMIZED HOSPITAL BILL?
This is the bill you receive from the hospital six to eight weeks after
discharge that itemizes the charge for every drug you were given, supply you used,
x-ray that was taken, etc. It is usually many pages long. It is not the summary
bill that shows the charges you incurred from each department of the hospital. The
itemized hospital bill lists each item you are being charged for within each department.
CAN YOU REQUEST THE BILL OR OTHERWISE OBTAIN THE CHARGES
FROM MY DOCTOR OR THE HOSPITAL?
No. Doctors and hospitals rarely have any interest in your coverage with us
because benefits are normally paid to you unless you assigned them to the medical
provider. Therefore, they will not release this type of information to American
Public Life. You must obtain the billings showing the charges necessary to file