Dear NJEA Members:
Our sponsored disability insurance program with Prudential will offer an OPEN ENROLLMENT for any members who physically attend the NJEA Convention on November 6th or 7th. Members need to visit booth # 1923 to pick up a SPECIAL enrollment form to be eligible for this open enrollment. The benefits of open enrollment are:
- No health questions are asked.
- You cannot be denied acceptance into the program as long as you comply with the special enrollment rules (below).
- You can enroll for the first time for protection up to two-thirds of your annual salary.
- You can increase your existing monthly benefit by up to $500.
Members will be able to speak to one of our exclusive representatives from Educators Insurance Services at the convention and submit the special application immediately or mail it back promptly. Our representatives will use members’ convention badges as evidence of membership and eligibility.
NJEA Endorsed Disability Insurance Program
2014 NJEA Convention Enrollment
Special Enrollment Rules Apply!
As an NJEA member, you can enroll for the disability insurance program without the need pplication is received by January 9, 2015. The program is issued by The Prudential Insurance Company of America.
You must enroll on the specially-marked “2014 NJEA Convention Enrollment Form.” A Prudential representative will give you the form and complete it with you. Use of this form will validate you as having attended the convention. Therefore, Prudential will not be able to accept any other version of the enrollment form.
If you hand in your enrollment form at the Convention, your coverage effective date will generally be January 1, 2015. But, in some cases, a later effective date will apply. Your coverage is effective on the first day of the calendar month after one month’s premium has been deducted from your pay. Check your paycheck to know when those deductions have been taken. If you have any questions, call Prudential at 800-727-3414 and select prompt #3 for “coverage questions.”
If you send in your form after the Convention (and before the January 5, 2015 postmarked and January 9, 2015 received deadlines), your coverage effective date will generally be the first day of the third calendar month after Prudential receives the form.
For example, if the form is received on December 20, 2014, coverage would generally be effective on March 1, 2015. But, in some cases, the effective date may be earlier or later. Your coverage is effective on the first day of the calendar month after one month’s premium has been deducted from your pay. Check your paycheck to know when those deductions have been taken. If you have any questions, call Prudential at 800-727-3414 and select prompt #3 for “coverage questions.”
If your form is postmarked after January 5, 2015 or received after January 9, 2015, Prudential will send you an Evidence of Insurability form to complete. Your coverage will not be effective unless Prudential approves that form.
A “pre-existing condition” exclusion applies to all enrollments under the NJEA Endorsed Disability Insurance Program, INCLUDING enrollments from this special opportunity. A member has a pre-existing condition if he/she received medical treatment, consultation, care or services including diagnostic measures, took prescribed drugs or medicines, or followed treatment recommendation in the 3 months just prior to his/her effective date of coverage or the date an increase