New From Aetna: AFA IMQ and IMQ Support

Aetna Funding Advantage’s (AFA) Individual Medical Questionnaires (IMQs) could potentially lower monthly costs and bring more stable renewals and higher surplus payouts. Aetna’s IMQ Elite concierge team will send out, collect and submit digital IMQs on your behalf.

Click here for more information.

Contact your Cornerstone representative for more information.

DON’T FORGET: Case Submission Deadlines for Small Group Aetna Funding Advantage

June 1 effective date deadlines for Aenta Funding Advantage small group (5–50*) case submissions are fast approaching. Review all new business submission deadlines for June through October below…

Effective date
Sales notice submitted
All required documents submitted
June 1
July 1
August 1
September 1
October 1

*2 to 50 in GA/PA/TX, 2 to 100 in N. IL, 5 to 100 in CO/CT/KY/LA/MA/NJ/OH, 10 to 50 in NV and 26 to 50 in NC.

Contact your Cornerstone representative with any questions.

Anthem SOCA BP New Sold Case Requirements

Effective May 15, Anthem SOCA BP will require the Annual Rate and Census Reconciliation (ARC) form for new sold submissions to ensure that plans comply with reporting requirements. The Quarterly Wage and Tax Statement will no longer be required.

The revised Sold Case Checklist will include the following documents:

  • Participation Agreement
  • Benefit Rate Proposal
  • Association Membership/Proof
  • Electronic Funds Transfer (EFT) Banking Form
  • Voided Check
  • Business Acknowledgement Agreement
  • Annual Rate & Census Reconciliation Form

Click here to view the 2019 Anthem SOCA Benefit Plan Sold Case Checklist.

Contact your Cornerstone representative with any questions.

IMPORTANT: Anthem OHIO Notification

A reminder for brokers who received an appointment renewal notice from Anthem.

To remain an appointed broker with Anthem for July 2019 through June 2020, please pay your $45.00 appointment renewal fee by May 31, 2019 using the NoMoreForms link you received in your email from Anthem.

If Anthem does not receive payment of your appointment renewal fee by May 31, 2019, Anthem will terminate your appointment and your agent agreement effective June 18, 2019.

Please contact Sandy Weber with any questions.

Which Social Security Programs Pay Disability Benefits?

Social Security Solutions, LLCThe Social Security Administration (SSA) administers two programs that pay disability benefits:

  1. Social Security Disability (SSD) and
  2. Supplemental Security Income Disability (SSI)

SSD is based on your earnings from a job or self-employment. SSI is a needs-based program with income and resource limits. Both programs use the same disability definition: You must have a physical or mental condition that is expected to last at least 12 months or end in death. Both programs have complicated rules and limits if you return to work.

Disability medical decisions are made by an agency of the state where you live, not Social Security. An adjudicator from this agency reviews your medical records and decides if you meet the SSA “disability” definition. Several factors are considered to decide if you are disabled: age, education, work experience, and the severity of the medical condition(s). Some conditions are automatic approvals, like ALS, some advanced cancers, or other terminal diseases. Other conditions, like heart conditions and stroke, require more time and information. If you are denied Social Security, you have appeal rights.

There is a five-month waiting period after your disability onset month before SSD benefits are paid. The benefit amount is based on your work record. It takes an average of four to five months to process a disability claim.

There is no waiting period for SSI and the maximum SSI benefit for 2019 is $771/month and depends on other income available to you. SSI is not payable if you have over $2000 in liquid resources (individual) or $3000 (couple). Many children with physical or mental impairments can receive SSI. A parent’s income is no longer considered for children over age 18 living with them.

For more information please contact me.

About Dennis Heywood

Denny’s career with Social Security provides an in-depth, working knowledge of the Social Security Administration’s internal organization and processes. An expert in all phases of SSA programs: retirement, survivor, disability, and Medicare, Denny has expertise with the complex Social Security regulations based on more than 40 years of experience.

Register Today for UnitedHealthOne’s TriTerm Medical Incentive

With UHOne’s TriTerm Medical Incentive program, you can earn a $100 bonus for every eligible TriTerm Medical application submitted between May 1, 2019 and July 31, 2019, and issued by August 15, 2019.

Earn an additional $25 bonus per product for bundling Dental, Accident or HealthiestYou with a TriTerm Medical plan.

Eligible Products Include: Bonus per Issued Product (min. 6 months persistency required)
TriTerm Medical $100

Earn an additional bonus when you bundle TriTerm Medical plans with:

Dental $25
Accident Pro Series (ExpenseGuard, ProGuard, & ProGap) $25
HealthiestYou by Teladoc $25

Click here to register.