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When your life insurance policy is provided by your employer, it may be worrisome to take an unpaid leave of absence due to the possible impact on your plan in Little Falls, Minnesota. Even though the leave of absence may be worrisome, your insurance provider may offer solutions to put your policy on hold or find an alternative solution so that you are still covered while you are away.
Contact Your Insurer
The only way to determine the exact details of the policy and the options that your insurer provides is by calling the company’s customer service number and asking. Every insurer has a different method of handling differenti situations, so the details of your plan may vary.
Ask a customer representative about the impact of taking a leave of absense before you leave your work for any period of time.
Consider the Options
Depending on the situation and the insurer, you may be given a few options to maintain your coverage while you are away. The customer service representative of the insurance company may ask questions regarding the reason for your leave of absence, so explain the situation and the reasons that you are taking time off. For example, if a loved one is in the hospital in a different state, then you may be out of the area to find out more about the situation.
Insurers may offer a few options, such as paying the premium in advance or putting your policy in hold until you return. The options may vary based on the insurer and the situation.
Protecting your loved ones against financial strife does not mean you are tied to your work. Contact Hanneken Insurance to talk to an independent agent for more information about your options.