For Medicare Supplement Business Pending Top Reasons For Medicare Supplement Business Pending - For Training Only © 2013 United American Insurance Company. All rights reserved.

80% of Medicare Supplement Applications issue in 5 days or less The Good News is … 80% of Medicare Supplement Applications issue in 5 days or less Based on Company records as of 0411

Based on Company records as of 0411 Unfortunately … The average Issue time for the remaining 20% of applications is 30 days Based on Company records as of 0411

Top Causes of Pended Applications Missing Termination Letter Missing Forms Invalid Medicare ID Other Based on Company records as of 0411

Pending for Missing Termination Letter Problem: Prior coverage info not complete or no letter of termination of coverage Chargeback at 60 days Solution: Have customer request termination letter from provider. Provide the NAME of the prior coverage carrier as well as policy start and end dates. If possible, provide a copy of prior carrier ID card. If MA letter needed, the Customer may call Medicare at: 1-800-Medicare (633-4227)

Pending for Missing Information Problem: Reason for voluntary or involuntary termination not answered Solution: Ask applicant and record answer on the application Using the eApp (FL) will help with these issues. The eApp will not allow a question to be skipped.

Pending for Missing Forms Problem: Missing, incomplete, or incorrect forms submitted Chargeback at 21 days Replacement Form New Business Transmittal Form Standard / Disability Application (64 ½+ must be standard app) Solution: Review Compliance sheet for state where application signed and verify CORRECT forms are fully completed and submitted Use eApp when approved/released

Pending for Invalid Medicare ID / Inaccuracies Problem: Application not fully or not correctly completed Solution: Triple check that the Medicare ID number is correct Make sure correct plan code is used as well as all questions answered and signed where appropriate Use eApp when approved/released

Pending for Medicare Part B Effective Date Problem: Copy of Medicare ID Card showing only Medicare Part A is active Solution: Make sure both Parts of Medicare are effective. If one Part recently applied for, indicate on application

How long does it take for Medicare Supplement business to issue? How Long to Issue ? How long does it take for Medicare Supplement business to issue?

How Long to Issue? Guaranteed Issue with all documentation provided On average, 2 to 4 business days from the time it is received at the Home Office. From the time the app is mailed to the Home Office until the time the policy is received by the Agent – 2 to 4 weeks on average, depending on mail time Use FedEx Overnight Shipping with a tracking number; USPS Priority Mail is not overnight

Underwritten applications How Long to Issue? Underwritten applications On average, 7-10 days provided applicant answers QAC call Applications with missing information or underwriting requirements On average, 29 days

Agent Notification of Underwriting Requirements Agent is notified via e-mail from Underwriting or Agency Service Underwriting looks up the e-mail address using the Agent number U1257’s (sample at right) are sent directly to the Agent’s e-mail If no e-mail address shown, or the correspondence is returned, the correspondence is sent to Agency Service

Agent Notification of Underwriting Requirements E-mail Contains Agent’s name and e-mail address Applicant’s Name and Policy Number Outstanding requirement(s) Follow-ups are sent on day 7, day 14, day 21, then closed with “INSUFFICIENT OR INCOMPLETE UNDERWRITING INFORMATION” Requested items are returned to Fax: 469-525-4210 E-mail: underwriting@torchmarkcorp.com

Where do I check my Medicare Supplement pending business? View Pending Business Where do I check my Medicare Supplement pending business?

UAOnline www.UnitedAmerican.com/logon

To View Pending Business From the landing page, you can access a report for Pending Business. If you do not have access to the Pending Business page, you can view your pending business when you click on the ‘Submitted/inforce’ link.

To View Pending Business Click on the links in the Entry Date column for specific information about why the policy has pended.

To View Pending Business For more detailed information, click the Policy Number.

View Med-Supp Commissions Where do I check my Medicare Supplement commissions?

To View Medicare Supplement Commissions From the landing page, you can access ‘Agent Statements On-Line’

To View Medicare Supplement Commissions The left column has pull-down menus and data fields that allow you to customize your search. When you have the results you desire, click on the date of the statement you wish to view.

To View Medicare Supplement Commissions Use the scroll bar on the right to page through the report, or use the bookmark list to jump to a specific portion of the statement.

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