Employers' Frequently Asked Questions

1. How do I process final deductions for retiring, terminating, disabled or deceased employees?
2. What if my retiree wants to continue his coverage?
3. Are there now four plans to choose from, costing $6, $9, $12 or $16 per month?
4. Why isn't the payment I've sent in showing on my statement?
5. When is Open Enrollment?
6. Some of my open enrollment employees do not appear on my statement. Why?
7. When will my open enrollment employees receive their policies?
8. My employee is terminating and would like to keep their insurance. What do they need to do?
9. I've put name changes on my billing statement, but they are never changed. Why?
10. I've sent in an enrollment card for my new employee but they are not listed on my billing statement. Why?
11. Can an employee on a leave of absence continue their coverage?
12. How do I make payments for employees who are off for the Summer?
13. Who is American Administrative Group?
14. Who is the National Conference on Public Employee Retirement Systems (NCPERS)?

Highlight the employee name on your billing statement and place a "T" - Terminated, "R" - Retired, "D" - Disabled or "C" - Deceased, in the billing code. Reduce you current month charge by that employee's premium, then process your payment for the new amount.

Partial payment or partial month coverage cannot be accepted. If an employee retires, terminates or is deceased before a full month's premium has been deducted, do not send the partial month deduction. This should be refunded to the employee as part of their final paycheck. Adjustments for partial payments sent in error are the responsibility of the employer unit making payroll deductions. If checks are automatically printed from the payroll system, simply void the check and reissue two manual checks, one for the employee and a check for the remaining balance, which you mail with your billing statement.

Check your administration manual for the form entitled "NCPERS Group Life Insurance", Appendix C. Forms are retained at American Administrative Group and PERSI is notified that the premium is to be deducted from the retiree's pension benefits. The process takes approximately 30 to 90 days to complete. Therefore, the retiree will notice a one-time adjustment for unpaid premiums.

NO! Effective June 1, 2002, all employees added to your billing will be at the $16 premium. Employees on the $6, $9 and $12 plans are not eligible for the $16 plan, because they waived the upgrade at the time it was offered to them. Those employees that waived the upgrade to $16 will remain at $12, and will be ineligible for future upgrades. If an employee formerly had coverage, but terminated, he or she is considered new, and must submit a new enrollment card, and pay the $16 premium.

Payments are due in the lock box by the 1st of the month of coverage and are considered to be late by the 10th. Payments and changes received prior to the 10th of the month will be reflected on the next statement. Changes received after the 10th of the month will not be reflected until the following statement, approximately two months following payment.

The NCPERS Group Life Insurance program sponsors an Annual Open Enrollment every year during September 1st through November 30th.

Missing and incomplete enrollment information will delay enrollment to the plan. Required information includes "Employer Group", "Complete Name", "Social Security Number", "Date of Hire", "Occupation", "Date of Birth", and "Beneficiary Information". This information is also required when completing death claim forms and applications for waiver of premium. Finally, all enrollment cards must be signed and dated.

Certificates for participants added during open enrollment are mailed between February 1 through March 31.

An employee may exercise their conversion privilege to continue the life insurance plan by calling a local Prudential Agent. The employee will need to take the conversion form and a copy of their policy with them. If they cannot locate a local agent they may call Prudential at 1-800-524-0542.

Download the conversion form.

American Administrative Group cannot process a name change from the billing statement. Your employee needs to complete a "Change of Beneficiary and/or Name" form.

Download the form and follow the instructions.

New employees are added to the billing system the first of the month following their 90 days eligibility period. If you begin payroll deductions sooner, add them to your billing statement and adjust your "current months charges" to include their premium. We will adjust our records to show the correct effective date based on payment.

Employees on a leave of absence are allowed to keep their insurance for up to a year, at which time they must either return to work or exercise their conversion privilege.

If an Employee is not receiving a payroll check because of disability, leave of absence or no earnings, payment must still be received for continued coverage. The Employee can submit a personal check to the Employer Unit for the period of time during which the Employee will not be receiving a check from the Employer Unit. This can be submitted with the premium payment. The Employer Unit can also make a double deduction during the pay period prior to or subsequent to the absence and note it on the billing statement using the following codes:

Q = No earnings paid this month

D = Disability

P = Leave of Absence .

Formerly known as Gallagher Benefit Administrators, American Administrative Group (AAG) is responsible for administering the PERSI/NCPERS plan.

NCPERS is a non profit organization of Public Employer Retirement Systems. NCPERS 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 website 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 NCPERS 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.