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

2. 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

3. 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

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

5. 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 ( )

6. 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.

7. 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

8. 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

9. 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

10. 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?

11. 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

12. 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

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

14. Agent Notification of Underwriting Requirements
Contains
Agent’s name and 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:

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

16. UAOnline www.UnitedAmerican.com/logon

17. 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.

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

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

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

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

22. 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.

23. 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.

24. Thank You!