Frequently Asked Questions
Amalgamated Life knows that insurance is a complex subject. You may have many questions about your insurance needs and benefits, and how to access those benefits.
Amalgamated Life is here to help you. We’ve compiled a list of some of the most commonly asked questions and provided the answers you want.
If you have any questions not answered here, please do not hesitate to contact our Customer Service Center at 866.975.4089. A helpful, knowledgeable professional is ready to help you.
How do I file a claim? Written notice of claim must be given to Amalgamated Life Insurance within 20 days after loss (or as soon as reasonably possible). You can contact Customer Service (1-866-975-4089) and request a claim form, or you can print the Claim Form on this site for Voluntary Accident Insurance.
Why should I have accident insurance? Because one million Americans suffer a slip, trip or fall injury each year and you can be among them. These accidents can result in a wide range of serious injuries.
What should I look for in a Voluntary Accident Insurance policy? Seek out a policy that features guaranteed issue with no medical questions asked, is guaranteed renewable as long as you pay your premiums, offers family coverage, is portable (it goes with you when you change jobs or retire) and has a level premium rate that doesn’t increase with age.
What is covered by a Voluntary Accident Insurance policy? The policy will cover emergency room treatment, hospital admission, confinement and ICU care, initial office visits, major diagnostic exams, medical appliances, pain management, physical therapy, prosthetic devices/artificial limbs, rehabilitation, transportation to medical appointments and x-rays.
Why is my employer/organization offering Amalgamated Life Insurance Company’s Voluntary Accident Insurance Policy? For over 75 years, Amalgamated Life Insurance Company has been serving working Americans and their families by offering competitively priced insurance products and services along with superior customer service. Since 1975, Amalgamated Life Insurance Company has consistently earned the “A” (Excellent) Rating from A.M. Best Company, signifying our strong fiscal condition and excellent claims paying history.
Portability? Yes, the Voluntary Accident Insurance is portable. If you change jobs or leave your employer the coverage goes with you.
Accident Features and Benefits
Critical Illness Insurance
How do I file a claim? Written notice must be provided to Amalgamated Life Insurance Company within 30 days after a critical illness begins or within a reasonable period of time. You can contact Customer Service (1-866-975-4089) and request a claim form, or you can print the claim form on this site for Critical Illness (Specified Disease) Insurance Claim Form.
Why should I have voluntary critical illness insurance? You should have voluntary critical illness insurance because every unpaid medical bill stemming from a critical illness is the number one cause of bankruptcy filings in the U.S. Every 29 seconds, an American suffers a coronary event and every 40 seconds, an American suffers a stroke. Everyone is vulnerable to a potential critical illness.
What should I look for in a voluntary critical illness policy? You want a policy that will offer a face amount of coverage in the area of $50,000, offers a cash benefit paid to you or your family, is guaranteed issue (no health questions asked), guaranteed renewable, portable (you can take it with you even if you change jobs or retire), will provide a recurring benefit if you or a family member suffers a recurrence of the same critical illness separated by 12 months, have a level premium (it doesn’t increase as you age), offers a health screening benefit and is backed by a high quality claims service.
What types of critical illnesses are covered? Voluntary Critical Illness Insurance covers the insured and spouse for such illnesses as cancer, major organ failure, benign brain tumor, heart attack, end stage renal disease, stroke and traumatic brain injury.
Why is my employer/organization offering Amalgamated Life Insurance Company’s Voluntary Critical Illness policy? Amalgamated Life Insurance Company’s Critical Illness policy offers comprehensive coverage and good benefits and a competitive price. Since 1975, Amalgamated Life Insurance Company has consistently earned the “A” (Excellent) Rating from A.M. Best Company, signifying our strong fiscal condition and excellent claims paying history.
How do I file a dental claim? Claims are submitted by your provider.
Why should I purchase dental insurance? To maintain good oral health, reduce risk of other serious illnesses and to save on regular check-ups and preventive oral care.
What is covered by dental insurance? Dental insurance covers preventive services, orthodontia coverage for adults and children and oral cancer screenings, anesthesia and teeth whitening.
Will the insurance cover my family’s dental needs too? There are both single/individual and family plan options.
What features should I consider when purchasing dental insurance? The best voluntary dental plans offer employees coverage for the most common dental care requirements such as bi-annual check-ups and cleanings, as well as preventive treatments and even dental surgeries all provided by skilled dental practitioners in an extensive network of professionals.
Will I be limited as to how many times I have various procedures performed? Preventive services are 100% fully covered no matter how many times you have the services performed.
Will I have choices as to what dental professionals I see? Yes. There is an extensive network of dental professionals from which to select.
Why did my employer/union/fund administrator select Amalgamated Life’s dental insurance product to offer us? Amalgamated Life’s dental insurance product was chosen because of the plan’s robust features, competitive rates, excellent service reputation and reliable dental claims payment.
Why Guardian Dental
How do I file a disability claim and at what point after I become disabled should I file a disability claim? It’s important to react quickly to minimize any negative effect on your household finances. Written notice must be provided to Amalgamated Life within 30 days after a disability begins or within a reasonable period of time. You can contact Customer Service (1-866-975-4089) and request a claim form, or you can print the claim form on this site for the Disability Income Claim Forms – Claimant and Physician.
Is Voluntary Short-Term Disability an individual policy? Yes. Voluntary Short-Term Disability is an individual policy.
How do I decide if I need long-term or short-term disability insurance? First, understand that short-term disability is less costly than long-term disability. Therefore, for many people, it is a financial decision. Others may consider their families medical history and if there is a high incidence of catastrophic illness, they may believe it is essential to have long-term disability coverage.
Why do I need disability insurance and what are the benefits? Because a majority of Americans would have great difficulty meeting their current financial obligations if they became disabled and unable to collect a paycheck.
What should I look for in a disability insurance policy? Seek out a policy that provides income protection for non-work related accidents, illnesses and/or pregnancies with benefits and durations tailored to meet your needs.
Are there any disabilities that are not covered by a disability insurance policy? Yes. Most policies have exclusions. Check your policy and call us at 1-866-975-4089 if you have any questions.
What if I purchased Voluntary Short-Term Disability Insurance and then decide I want Long-Term Disability Insurance? You would need to purchase a new policy.
How much does disability insurance cost? Premiums vary based on an individual’s age, health, smoking status and the amount of income to be covered.
Why did my employer/union/fund administrator select Amalgamated Life Insurance Company’s disability insurance product to offer us? For over 70 years, Amalgamated Life Insurance Company has been serving working Americans and their families by offering competitively priced insurance products and services along with superior customer service. Since 1975, Amalgamated Life Insurance Company has consistently earned the “A” (Excellent) Rating from A.M. Best Company, signifying our strong fiscal condition and excellent claims paying history.
If I lose my job, how is my disability insurance affected? Short Term-Disability insurance is portable and in the case of a job loss the policy would continue as long as you pay the premiums directly to Amalgamated Life Insurance Company.
Portability? Yes the Voluntary Short-Term Disability is portable. If you change jobs or leave your employer the coverage goes with you.
Disability Features and Benefits
How do I submit a claim? Please contact your employer or union for claim questions.
How do I determine how much life insurance I need? When considering the amount of life insurance, you must factor in the number of dependents you have, the financial/living expenses of your household, potential costs that will be incurred and/or debts that will need to be satisfied upon your death, as well as any other future costs for which you want to allow such as a child’s college education, wedding costs, etc.
What is the difference between the different types of life insurance? Group Term Life Insurance is Term Insurance held by a group – union/employer which protects your family for a specified term (e.g., 10 years, 25 years, etc.) and is simple protection to provide for loss of income, short-term debts and needs, mortgage payments, college education, etc. Whole life insurance, unlike group term, is purchased by the individual. It builds a cash value that grows tax-deferred, and can be accessed during the covered person’s lifetime. A whole life policy pays a death benefit and allows access to built-up cash value.
Why should I purchase life insurance? Without adequate life insurance, you are leaving your loved ones vulnerable and potentially unprepared to manage certain living expenses as well as your funeral expenses, which can be very costly. Cremation costs average $2,000 and the cost of burial and basic casket average $8,500. If you add the cost of funeral home visitations and hearse procession, the total immediate cost after death of a loved one is between $4,400 and $14,000.
Why was Amalgamated Life Insurance Company chosen? For over 75 years Amalgamated Life Insurance Company has been serving working Americans and their families by offering competitively priced insurance products and services along with superior customer service. Since 1975 Amalgamated Life Insurance Company has consistently earned the “A” (Excellent) Rating from A.M. Best Company signifying our strong fiscal condition and excellent claims paying history.
How much does life insurance cost? Premiums are determined based on the type of insurance, period of coverage (in the case of term insurance) and amount of coverage purchased.
How easy is it to change my insurance coverage to reflect changes in my life? Some insurance policies can be amended to reflect life changes. Questions should be directed to your employer or union.
How do I change my beneficiary? Beneficiaries can be changed with the completion of the proper forms. Contact your employer or union to obtain the forms.
Can I continue my coverage if my group policy terminates? Yes, you are entitled to convert all or a portion of the amount of insurance which has been terminated under your group policy to an individual policy. You will not be required to submit proof of good health to convert. Please contact your employer or union.
See product sheet (English).