Though times are uncertain, the Council 66 Insurance Program remains committed to helping protect you and your loved ones.
Together, we are facing a truly unprecedented situation, but we have taken steps to help ensure we continue to provide the high level of service you count on.
We're Here to Help
We are available 585.594.0753, Monday–Friday, 8 a.m. to 5 p.m. EST to answer questions about your insurance coverage. Please use our automated call back feature in the event you encounter wait times.
You may also email us at firstname.lastname@example.org with questions.
We Can Answer Your Questions
We understand you may have many questions concerning your group life and health-related coverages. We have answered the most common questions below. If you have other questions or concerns, please do not hesitate to contact us via phone or email.
I have a question about term life, critical illness, or retiree critical insurance coverage.
Visit MetLife’s COVID-19 response page for more information.
I have a question about group whole life or universal life coverage.
Visit MassMutual's COVID-19 response page for more information.
May I still apply for group comprehensive accident or group disability coverage?
Applications for select health coverages are still being accepted. Any request for new coverage is subject to approval by New York Life. Please contact an account representative at 585.594.0753 or email@example.com for more information.
May I increase my existing group comprehensive accident or group disability coverage?
Increases in coverage amounts for select health coverages will be processed as normal. Any request for new coverage is subject to approval by New York Life. Please contact an account representative at 585.594.0753.
What if I have a group comprehensive accident or group disability application in process?
Applications will continue to be processed as normal. The underwriting process may include a telephone interview with ExamOne and other requirements for some applicants. If you have questions about your application, please contact us at 585.594.0753.
What if I have trouble paying my insurance premium?
If you’re experiencing financial hardship due to COVID-19, click here for information on alternate payment options.
What if I need to file a group comprehensive accident or group disability claim?
In the event of a claim during this difficult time, please be assured it will be evaluated by the New York Life Insurance Company as normal based on the provisions of the group insurance policy.
Please review product-specific details on coverage for COVID-19 claims below. Please note: All of the New York Life Insurance Company products listed may not be available through our insurance program.
Group Disability Insurance Claims
You may be eligible for benefits through your New York Life Insurance Company policy if you are not able to work due to having or being exposed to COVID-19. In order to be eligible for benefits, you must submit medical documentation by a medical professional that your sickness (COVID-19 exposure) meets the policy's definition of a disability and prevents you from performing your occupation.
A quarantine situation must also be supported with medical documentation. Recommendations from elected officials or Centers for Disease Control and Prevention (CDC) guidelines, office closure, or absences from work due to childcare issues do not qualify.
Many factors will determine if a claim will be covered, including the type of coverage and the terms and conditions of the certificate and policy. The claim will be evaluated in accordance with the applicable waiting period and any other limitations, as for any other sickness or injury.
New York Life Insurance Company is providing an administrative exception for disability insureds whose insurance coverage would end under the terms of their contract if they were no longer working full time. This administrative exception will allow our disability insureds to maintain their coverage through June 30, 2020 even though the insured is not working full time, as long as premium payments are made.*
*Please note that Compliance Bulletin 2020-13 remains in effect. If insureds notify us that they are no longer working full time and unable to pay their premiums, coverage should not be canceled due to non-payment of premium.
Group Comprehensive Accident Insurance Claims
COVID-19 is a disease and is not a covered condition within group comprehensive accident insurance through New York Life Insurance Company.
If you have other questions or concerns, please do not hesitate to contact us via phone or email.
We are committed to giving you up-to-date information and resources as the situation evolves. Rest assured we continue to work diligently on behalf of you and your loved ones.
Group disability and group comprehensive accident insurance plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form GMR.