Members' Frequently Asked Questions

1. How can I keep this coverage if I terminate employment?
2. What if I am retiring and want to continue my coverage?
3. What is my current benefit?
4. Can I find out who is listed as my beneficiary?
5. How can I change my name or beneficiary?
6. If I enroll during open enrollment, when can I expect to receive a copy of my policy?
7. Are there now three plans to choose from, costing $9, $12 or $16 per month?
8. Who is American Administrative Group?
9. Who is the National Conference on Public Employee Retirement System (NCPERS)?

If you terminate employment you can convert your Group Decreasing Term Life Insurance to a Prudential individual life policy within 31 days following termination of employment. Your spouse's Dependent Term Life coverage can also be converted if you cease to be a member or die. Download the group life conversion form required in order to convert your coverage.

Benefits can be continued into retirement, if you are insured as an active member and will receive a benefit upon retiring. You may continue your benefits by authorizing the retirement system to deduct your contributions from your retirement check.

When American Administrative Group is notified of your retirement by your employer we will send you the authorization form that you must sign to allow the retirement system to take deductions from your check. Since the process takes approximately 30 to 90 days to complete, your check will be adjusted for unpaid premiums.

View the schedule of benefits.

Please give us a call toll free at 1-800-525-8056 to find out who is your current beneficiary.

Beneficiary or name change information can not be taken over the phone. Prudential requires that the change be on the appropriate form and must be signed and dated by the member. Download Prudential's "Change of Beneficiary and/or Name" form. Mail the form to American Administrative Group in accord with directions on the form.

Certificates for participants added during open enrollment are usually mailed in the period from February 1 through March 31. They are sent as a group to your employer, for distribution to their employees.

NO! New members are automatically enrolled at the $16 premium level. Employees on the $9 or $12 plan are not eligible for the $16 Plan, because they waived the upgrade at the time it was offered to them. If you have coverage, but terminate, and then wish to re-enroll, you are considered a new member, must submit a new enrollment card, and will be placed in the $16 plan.

Formerly known as Gallagher Benefit Administrators, Inc., American Administrative Group is responsible for administering the NCPERS plan.

NCPERS is a non-profit organization of Public Employee Retirement Systems that was organized in 1942 to safeguard and promote the rights and benefits of public employees in national, state and local retirement, pension or annuity and benefit systems. For more information on NCPERS visit their web site at www.NCPERS.org.

NCPERS has no role in the administration of the life insurance program, and the benefits are guaranteed solely by the insurance carrier. NCPERS is compensated solely for the use of its name, service marks and mailing lists.

The National Conference on Public Employee Retirement Systems ( NCPERS) takes its role to protect and maximize the financial security of public pension members and their dependents very seriously. In 1966-68 they retained Gallagher Benefit Services, Inc. to design a voluntary plan that would allow members to eliminate or reduce their financial risk regardless of when death occurred. The Prudential Insurance Company of America was selected to insure the benefits, which became available to the membership on August 1, 1969.