Seasons of Life and Your Life Insurance Plan
After the death of a loved one, the task of resolving the business and health affairs of the deceased, including financial and health care-related paperwork, can often be difficult. Seasons of Life and the A&M System life insurance plan are two programs that provide assistance and benefits to help handle these difficulties.
First, you or a beneficiary should contact the deceased member’s benefits office within 20 days, or as soon as reasonably possible after the death. This ensures that insurance carriers can process the claims in a timely manner.
Seasons of Life by Blue Cross and Blue Shield of Texas (BCBSTX)
Seasons of Life is a BCBSTX outreach program that provides personalized claims resolution assistance to members and their families who are dealing with the death of a loved one. Seasons of Life ensures that members and their families have compassionate help when they need it.
Seasons of Life begins with proactive outreach. When a member’s death is communicated to the A&M System, and BCBSTX learns of it, a customer advocate will be assigned as the family’s single point of contact for the duration of the Seasons of Life program. The family can contact the customer advocate at any time that is convenient for them to discuss insurance-related matters. The advocate completes a full review of the deceased member’s reimbursement history, claims status, and customer service history before contacting the family, so they can anticipate the family’s needs.
The Seasons of Life program gives support during this time by helping relatives of the deceased member handle health care claims and provider statements quickly and efficiently.
Life Insurance Claims
After the death of an employee/retiree covered by the A&M System life insurance plan or a covered dependent on the A&M System life insurance plan, the beneficiary should contact your benefits office or the benefits office of the deceased member. The benefits office will notify System Benefits Administration of the death to initiate a life claim. The Hartford will contact you and give you or the designated beneficiary the forms needed to apply for Basic Life/Alternate Basic Life, Optional Life or Dependent Life benefits. It is important to keep your beneficiaries up to date when you are enrolled in the plan.
The System Benefits Administration office will submit claim forms, along with supporting documentation to initiate the death claim. Once processed, benefits are normally paid directly to the beneficiaries in a lump sum via check or direct deposit into the beneficiary’s checking or savings account.