General Questions About Group Coverage
Yes. To view your benefits and claims, log in to MyRenBenefitsManager.
You will create a user name and password that provides access to your account. Begin your login registration with MyRenBenefitsManager.
To determine which plan you have, you should check your Certificate of Coverage, or log in to MyRenBenefitsManager.
Your member number will be printed on an ID card, which you should have received in the mail. You can also find this number by logging into the portal related to your benefits. Your dentist will need this number to submit claim forms.
To print an ID Card, log in to MyRenBenefitsManager.
You can conveniently submit claims online via our portals. And, if you are looking for more information or manual forms, visit our claims resource page.
Information for dependents over age 17 must be obtained via phone.
Questions About Dental Insurance
Renaissance does not mail EOB statements when services are covered at 100% and the patient owes nothing. These statements are, however, available to view and print at MyRenBenefitsManager.
A network dentist is a dental care provider who has a contract with one of our network partners to provide services at pre-negotiated rates. Using a network dentist helps you save more money. In-network dentists agree to lower fees for covered services, which means lower out-of-pocket costs for you. Additionally, choosing a network dentist simplifies the billing process, as the dentist handles the insurance claims directly with Renaissance Benefits.
Using an in-network dentist typically means lower out-of-pocket costs and streamlined billing processes, so it’s beneficial to verify your dentist’s status to maximize your benefits with Renaissance. To find out if your dentist is in-network, you can follow these simple steps:
Search Providers: Use our “Find a Provider” tool. Enter your location and your dentist’s name to see if they are listed as an in-network provider.
Call Customer Service: Employer group dental plan members, call 800-894-4532 if you have questions regarding dentist participation. Individual dental plan members, call 888-791-5995 to find a participating dentist.
Check with Your Dentist: Ask your dentist’s office directly if they participate in the Renaissance Benefits network. They often have this information readily available and can confirm their status.
Renaissance group dental insurance purchased through your workplace offers comprehensive dental coverage that is convenient and often at a cost lower than a policy you would find on your own. This coverage helps you and your family maintain good oral health by covering preventive care and a range of dental treatments. In addition, dental exams can detect more than 120 signs and symptoms of non-dental disease that may indicate health problems elsewhere in your body.* With Renaissance, you gain access to a wide network of dental providers and you can conviently manage your coverage via our online portal.
* James W. Little et al., Dental Management of the Medically Compromised Patient (St. Louis: Mosby, 2012)”
Questions About Vision Insurance
Yes, vision insurance is valuable even if you have good eyesight. Regular eye exams can detect early signs of health issues such as diabetes, high blood pressure, and glaucoma, which may not have obvious symptoms initially.* Additionally, vision insurance often covers a portion of the cost for eyewear, should your needs change over time. It’s a proactive step towards maintaining your overall health and preparing for future vision care needs.
*Klunk, Elizabeth. “Comprehensive managed vision care is more than mere ‘medical management.’” MedCity News, Sept. 2019.
A vision network is a group of eye care providers who have agreed to offer services at reduced rates for members of a specific vision insurance plan. Choosing a provider within the network can help you maximize your benefits and minimize out-of-pocket expenses. It’s an essential part of making the most out of your vision insurance.
Vision insurance plans often cover routine eye exams, prescription lenses, frames and contacts. They may also offer additional benefits such as discounts on LASIK surgery, coverage for progressive lenses, and access to a broader network of eye care providers, making them a comprehensive option for employee health benefits. Individual and group coverage operate similarly, but for group coverage, employees may pay some or all of the premium, with the employer covering the balance.
Three out of four adults require some kind of vision correction.* Vision insurance helps manage the cost of routine eye care, such as exams, glasses, and contact lenses. It also promotes proactive eye health by encouraging regular checkups, which can detect early signs of eye conditions or other health issues.** By investing in vision insurance, you safeguard your vision and overall well-being, often at an affordable cost.
*2017 National Vision Plan Member Research.
** AOA.org, See the Full Picture of Your Health with an Annual Comprehensive Eye Exam
Renaissance has partnered with VSP® Vision Care to administer its vision benefits. VSP has one of the largest national networks of independent doctors and more than 120,000 vision care access points.* This partnership allows Renaissance to provide comprehensive vision plans tailored to individual, family, and group needs.
*VSP internal data
Questions About Life Insurance
If you’ve already filed a claim, you can contact our Customer Care Team or your assigned claim examiner by calling 800-894-4532, Monday through Friday, 8AM to 5PM Eastern.
If you have not yet filed a claim or are seeking general information about your disability insurance benefits provided through your employer, please reach out to your benefits administrator or human resources representative.
The Form 712, Life Insurance Statement, is used to report the value of life insurance policies for estate tax purposes and is filed by executors with other IRS forms (Form 706, 706-NA, or 709) for insurance policy or premium amounts. A Form 712 will be provided upon request after a death claim payment has been processed.
The death benefit is not reportable for tax purposes, but interest paid may be. A 1099-INT form will be provided for any interest paid in the amount over $10 for a life insurance claim.
Yes, generally funeral home assignments will be accepted whenever possible, but there may be times when a funeral home assignment cannot be accepted or processed. There may be state statutes or other circumstances that prevent funeral home assignments from being accepted.
Copies of the Trust and any amendments (signed/notarized) will be required, confirming the Trust Identification Number and contact information. The claimant statement must be completed by the Trustee.
Generally, a court issued Certified Copy of the Letters of Administration or Letters Testamentary for the Estate of the insured will be required, showing appointment of Executor/Administrator of the Estate of the Insured along with IRS form SS-4 confirming the estate TIN number and contact information. In addition, the Executor must complete claimant statement. Some states may allow benefits to be paid under a Small Estate Affidavit, depending on the states regulations and the amount of benefit.
If there is no beneficiary designation or no named beneficiary, benefits will be paid to the eligible surviving family member(s) according to the order listed in the policy document.
If the divorce occurred while the policy was in force, the state jurisdiction will determine how or if the divorce impacts the ex-spouse’s eligibility as a beneficiary. In some states, the beneficiary designation of an ex-spouse is automatically revoked at the time of divorce. In this situation, if the member wants the ex-spouse to remain the named beneficiary, they would need to complete a new beneficiary designation form after the divorce was finalized.
In some cases, the court may mandate that the ex-spouse remain the beneficiary of the policy, even if the member has updated their beneficiary designation to name a different beneficiary. Copies of the divorce decree and/or property settlement may be needed to determine eligibility of the ex-spouse or any other named beneficiary(ies) before the death benefits can be processed.
Special state-specific rules apply when a beneficiary is a minor child. Life insurance benefits cannot be paid directly to a minor child. The claimant/beneficiary statement must be completed by the legally recognized financial guardian of the minor child and must include copies of a court issued Order Appointing Guardian/Conservator of the estate of the minor and Certified Letters of Guardianship/Conservatorship for the estate of the minor. If unavailable or not provided within the escheatment time frame dictated by the state, this may result in the benefit being escheated to the state’s Unclaimed Property division for the benefit of the minor. If benefits are escheated to the state, the minor may claim the benefits from the state once they attain the age of majority specified by the state.
Download the claim forms from the Claim Forms and Information page and scan/email to groupclaims@renaissancefamily.com or fax to 607-773-2276.
The claim form must be completed by both the claimant/beneficiary and the employer.
If there are multiple beneficiaries for a death claim, each beneficiary must submit a separate claim form.
Yes, direct deposit is available for most of our clients*. To sign up for direct deposit, download and complete the Authorization of Direct Deposit of Claim Payment form. Return the completed form along with a deposit slip or voided check.
The documentation can be submitted by using the upload feature in your claim within the portal, or by emailing groupclaims@renaissancefamily.com or faxing to 607-773-2276.
Once received, it may take up to 10 days to process your direct deposit request. Once direct deposit is set up, benefit payments are typically available in your account within 2-3 business days after a payment is processed.
*If your employer’s group number starts with the letter “G”, direct deposit is not available at this time.
Yes. To view your benefits and claims, log in to MyRenBenefitsManager.
Life insurance is an essential part of a comprehensive financial plan. It helps to ensure that your loved ones are financially protected in the event of your passing and can be used to cover expenses like funeral costs, mortgage payments, and daily living expenses. Life insurance from Renaissance can also provide funds for your children’s education or help your family maintain their standard of living. Securing a life insurance policy with Renaissance can provide you with peace of mind knowing that your family’s future is safeguarded with financial support they may need during a challenging time of loss.
Life insurance provides financial protection for your loved ones in the event of your death. This benefit can help cover expenses such as funeral costs, outstanding debts and living expenses, ensuring your family’s financial stability during a difficult time. Our variety of life insurance options are tailored to meet your unique needs and provide peace of mind for you and your loved ones.
Questions About Disability Insurance
If you have already filed a claim, you can contact our Customer Care Team or your assigned claim examiner by calling 800-894-4532, Monday through Friday, 8AM to 5PM Eastern. If you have not filed a claim yet or are looking for general information, please contact your benefits administrator or your human resources representative.
Disability benefits may be subject to Social Security and Medicare taxes (FICA taxes) as well as Federal Income Tax, depending on the type of policy and funding structure your employer has chosen. If your benefit is subject to FICA taxes, they will be withheld automatically from your benefit payments. You may elect to have optional Federal Income Tax withheld by submitting the IRS form W-4S. Any required and optional tax withholding amounts will be reflected on the Explanation of Benefits (EOB) that accompanies each benefit payment.
Disability policies generally have an unpaid elimination period, or benefit waiting period. Disability benefits begin after the elimination period has passed. Some common STD elimination periods are zero days, 1 week, 2 weeks, or 30 days. LTD elimination periods typically align with the end of STD and are most commonly 90 days or 180 days. The elimination period is specified in the policy schedule of benefits. You can receive a copy of your policy from your benefits administrator or your human resources department.
Some disability plans include a Pre-Existing Condition clause which limits or excludes benefits if a claim is filed within a specified number of months after coverage starts and the claim is for a disability that is related to an illness or injury that the member had and was treated for before coverage began.
Most Pre-Existing Condition clauses expire after the member has been covered by the plan for 12 (or in some cases 24) months. The specific number of months for the Pre-Existing Condition clause is noted in the policy scheduled of benefits.
Short Term Disability (STD) policies typically provide benefits on a weekly basis for a specified number of weeks, ranging from several weeks up to 26 weeks or even 52 weeks in some policies.
Long Term Disability (LTD) policies provide benefits on a monthly basis for a much longer period of time, often up to several years or even until retirement age.
STD and LTD policies have different provisions, definitions and requirements that must be met to qualify for benefits under each policy. Due to the extended length of benefits, LTD policies typically have more provisions to satisfy as well as more options to support return to work efforts compared to STD policies and may involve a more in-depth and comprehensive review process than STD.
Yes, direct deposit is available for most of our clients*. To sign up for direct deposit, download and complete the Authorization of Direct Deposit of Claim Payment form. Return the completed form along with a deposit slip or voided check.
The documentation can be submitted by using the upload feature in your claim within the portal, or by emailing groupclaims@renaissancefamily.com or faxing to 607-773-2276.
Once received, it may take up to 10 days to process your direct deposit request. Once direct deposit is set up, benefit payments are typically available in your account within 2-3 business days after a payment is processed.
*If your employer’s group number starts with the letter “G”, direct deposit is not available at this time.
Sometimes a disability event is known in advance, such as for pregnancy or for pre-scheduled surgery. In those situations, disability claims may be submitted up to 30 days in advance of the expected start date, however, the claim will remain pending until the actual start date is confirmed.
For maternity claims where the member works up to the date of delivery, the delivery date and type of delivery must be confirmed before the claim can be finalized.
For pre-scheduled surgeries, it must be confirmed that the planned surgery did take place on the scheduled surgery date.
If there are any changes to the expected start date on a pre-submitted claim, updates should be provided to the claim examiner as soon as possible.
Report your claim as soon as possible once you know you’ll need to be off work longer than your policy’s benefit elimination period. Timely claim submission is important to avoid delays in processing your claim. Your disability policy will also specify time limits on when a claim must be filed. Submitting a claim late may result in a delay or denial of benefits.
You’ll need to provide the following information:
- Your employer’s name
- Your group policy number
- Your name, date of birth and Social Security Number
- Your contact information (mailing address, email and phone number)
- The last day you were at work
- The first day you were unable to work
- Information about your injury or illness
- Your treating medical provider’s contact information (name, phone number and fax number)
Information will also be needed from your employer and your treating medical provider to substantiate your claim. We will need a signed medical authorization in order to request medical records. Once your claim is created and assigned to a claim examiner, you will be informed of any additional information needed to complete your claim.
Disability claims can be submitted online, telephonically or by submitting a paper claim form.
- To file a claim online, log in to MyRenBenefitsManager.
- To start a claim telephonically, call 800-894-4532. Our Telephonic Intake Customer Care Team is available Monday through Friday, 8AM to 5PM Eastern.
- To submit a paper claim, download the claim forms from our website on the Claims Forms page and scan/email to groupclaims@renaissancefamily.com or fax to 607-773-2276.
Yes. To view your benefits and claims, log in to MyRenBenefitsManager.
Disability insurance and workers’ compensation both provide financial protection but differ in scope. Workers’ compensation covers only job-related injuries and illnesses, providing benefits for medical expenses and lost wages from workplace incidents. Disability insurance, on the other hand, covers a wider range of conditions, including those not related to work, such as serious illnesses or accidents outside the workplace.
Disability insurance and health insurance serve different but complementary roles in protecting your well-being. Health insurance helps cover the cost of medical care, such as doctor visits, hospital stays and medications, helping you receive the necessary treatments for illnesses and injuries. On the other hand, disability insurance provides financial support by replacing a portion of your income if you are unable to work due to a covered illness or injury. While health insurance focuses on your medical needs, disability insurance safeguards your financial stability, helping you to maintain your standard of living and focus on recovery.
Disability insurance is important for safeguarding your financial future. Unexpected illnesses or injuries can disrupt your ability to earn an income, impacting your financial stability. Disability insurance provides peace of mind by knowing that you have a safety net in place, allowing you to focus on your recovery.
Disability insurance provides financial protection by replacing a portion of your income if you become unable to work due to a covered illness or injury. It can help you maintain your standard of living and focus on recovery. At Renaissance, we offer a range of plans tailored to meet diverse needs, so you have the support you need when it matters most.
