Agent Guide | Home Health Care
Application Status Codes •Data Entry: In the process of being keyed into the computer system •Pending Agent Appointment: Application processed, but pending agent appointment •Pending PHI: Pending telephone interview with applicant • Withdrawn: Application closed due to insufficient information or documentation • Declined: Not eligible for coverage Application Assistance If you have any questions about the application or about how to answer any of the application, please call the ManhattanLife ACES Team at 1-800-369-3600 or email: aces@manhattanlife.com Amendments/Endorsements An Amendment and/or Endorsement to the application will be generated for the following reasons: •Any question left blank or answered incorrectly (as determined by a telephone interview) •An error or unclear answer for the plan selection and/or underwriting risk classification •An error or unclear answer for the date of birth, sex and/or address •An error or unclear answer for the modal premium Withdrawn Policies Applicants who wish to withdraw an issued policy can return the insurance policy indicating they do not wish to keep the insurance policy or may be in the form of a signed letter or other signed written statement. An applicant with a withdrawn insurance policy should be encouraged to return the insurance policy. To receive a full refund of premium, the request to not take the insurance policy must either be post- marked (if sent via mail) or received by the Company (if faxed) within the 30-day free look window. A full refund of the premium for withdrawn insurance policies will be processed 21-days after the date the check was deposited (to ensure the check has cleared the bank). If the applicant requests the refund prior to that, the applicant’s financial institution will be contacted to verify the check has cleared. The refund check and a letter confirming the insurance policy was withdrawn will be mailed to the applicant. A copy of the letter will also be mailed to the writing agent. Any commissions paid to the writing agent(s) will be reversed. Claims Restoration of Benefits ManhattanLife is administering this benefit as outlined below. •After receiving home health care benefits and/or homemaker services benefits, if the insured has not received nor required any benefits for 180 days, ManhattanLife will restore their Maximum Benefit Period and/or Policy Maximum to its original benefit period and/or amount. •This restoration of benefits is regardless of whether or not the insured has used their entire Maximum Benefit Period and/or Policy Maximum. •There is no limit to the number of times the Maximum Benefit Period and/or Policy Maximum may be restored.
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