I enrolled in the John Hancock Long-Term Care coverage but haven’t received anything yet. How will I know I have the coverage?
Coverage information for most of those whose coverage has been approved is now available on HRConnect. In addition, John Hancock will begin sending out certificates of coverage in early February.
More than 400 applications are still either being entered or reviewed as part of the evidence of insurability application process. You can call John Hancock at (800) 498-9100 to ask whether your application is in process or approved.
Long-Term Care coverage effective dates depend on when the application is processed and/or the coverage is approved. Effective dates for coverage are always the first of the month following approval. Even if you have guaranteed acceptance (no need to provide evidence of good health), the coverage will not be effective until the application is processed.
Premium deductions for about 550 employees will be deducted from January pay. This will affect the January paychecks for biweekly paid employees and Feb. 1 paychecks for monthly paid employees.
Approximately 1,000 employees’ applications were processed after Dec. 20 but before Dec. 31. These employees will have a Jan. 1 effective date. However, they were not included in the January payroll deduction file sent from John Hancock to the A&M System, so no premiums will be deducted from their January pay. Instead, two months’ premiums, for January and February, will be deducted from their February pay. This will affect the February paychecks for biweekly paid employees and the March 1 paychecks for monthly paid employees.
These employees and retirees should have already received a letter explaining the extra deduction. The letter references “a recent reconciliation” and notes that this may represent premiums “due but not collected.”
Since CNA premiums cannot be paid through payroll deduction after December, active employees and/or spouses whose coverage effective date is February 1 will receive a bill for January from CNA. You must pay this bill to keep your discounted John Hancock rate.