Carney Cargill, Inc. 375 NE Ericksen Avenue Bainbridge Island, WA 98110 Phone: 206-842-8987 Health Life Disability Long-term Care Employee Benefits

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Frequently Asked Questions

What information should I bring to our appointment?

  • For group health insurance you generally need a business license and either a Schedule C or Washington State SUTA report and a business check.
  • For disability insurance, you need health history and income verification for the last two years, and a list of business expenses if you are applying for business overhead expense coverage.
  • For life insurance, you need health history and information from your accountant and/or attorney regarding any special trust requirements.
  • For long-term care insurance, you need health history.

When will my insurance begin?

  • Health insurance, including dental and vision, usually begins on the first of the month. Some carriers will allow an effective date of the fifteenth. All applications and supporting paperwork must be in our office by the 15th of the prior month. Short-term Medical and International Travel Insurance is the exception and can begin at 12:01 am on the day following signature of the application.
  • Life insurance, long-term care insurance and disability insurance are usually effective on the date of application when submitted with a check.

How long may my children remain on my health plan as dependents?

  • With most carriers, your children may remain on your plan until their 19th birthday. If they are full-time students, they may remain covered until age 23 - 25, depending on the carrier.

What do I do if I feel that one of my claims has been processed incorrectly?

  • Please call the claims department of your carrier first. If the claim is not resolved correctly, please call our office immediately and we will assist you. Always keep all explanation of benefits letters and bills!

If I have a health problem, can I still qualify for insurance?

  • For small group health insurance in the state of Washington, you may not be denied coverage and will have a three-month or nine-month pre-existing condition waiting period depending on previous coverage. If you are currently insured and have already met your waiting period, you will not be required to meet another waiting period when you move to a different carrier as long as you don't have a break in coverage longer than 63 days.
  • Individual health insurance in Washington has special requirements.
  • For life, long-term care and disability insurance, circumstances vary and we will advise you when we meet. Please be aware, however, that many health conditions are insurable.