Online Administration Frequently Asked Questions

What to Know About Online Administration

When are premiums due?

Premiums are due on or before the first calendar day of the period for which they are billed. For example, premiums due for the month of March are due on or before March 1.

When will my billing statement be mailed?

Statements are mailed and/or posted online 14 days before each due date.

What is insured amount?

Insured amount (otherwise called volume) is the total amount of coverage each employee has, according to the contract provisions.

Why is an insured employee capped at a particular insured amount level when the salary is higher than that?

An insured employee's insured amount is limited by the plan maximum or the Guarantee Issue Amount. A Guarantee Issue Amount represents the maximum amount in earnings or benefit that The Standard will insure without requiring Evidence of Insurability. Coverage for amounts over the Guarantee Issue Amount requires Evidence of Insurability. The plan maximum represents the maximum amount in earnings or benefit The Standard will insure. Refer to your Group Policy Schedule of Insurance and Evidence of Insurability provisions to verify this amount.

How does The Standard calculate insured amount?

Insured amount is generally calculated as follows for each individual insured under your Group Policy:

Life and AD&D: The employee's insured amount equals the benefit amount.
Short Term Disability: Insured amount equals a percentage of the insured employee's weekly Predisability Earnings.
Long Term Disability: Insured amount equals the insured employee's monthly Predisability Earnings.
Critical Illness¹: The insured's insured amount equals the benefit amount.

Refer to your Group Policy for specific percentages, maximums and evidence requirements.

Why weren't my employee changes reflected on my current premium billing statement?

It's likely that The Standard did not receive the changes prior to preparing your billing statement; the correct Eligibility Waiting Period is not reflected in our system; or all the information needed to process the change was not submitted. If you have any questions about employee changes, please refer to Contact Us and call Customer Service.

How do I pay my group insurance bill?

If you have one or more contributory coverages (buy-up or voluntary) with an effective date on or after Jan. 1, 2016², you will pay a combined bill for all coverages for all divisions. You can access that under the Billing and Payment section on My Home page.

There are exceptions, including out-of-scope products (Statutory Disability, Dental, Vision and paid-up Life) and currently unsupported arrangements (alternate funding arrangements, summary billing and commissions or fees withheld). For those scenarios, you will continue to use AdminEASE or the paper bill to pay that portion of your premium, and you can find that under the Manage Life and Disability Benefits section on My Home page.