The following are commonly asked questions
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When can I start selling the Delta Dental of New Jersey and Connecticut Individual and Family plans and receive a commission?
If you have completed and returned your producer paperwork or work for a brokerage house that has, and you have received an email with your DeltaDentalCoversMe.com URL, you may begin selling Individual and Family plans.
Commissions are only payable for individual and family plans underwritten by Delta Dental of New Jersey and Delta Dental of Connecticut. Policies underwritten by any other Delta Dental member company, such as the dental plans marketed through AARP, are not eligible for the payment of commissions.
What is the new sales and renewal commission for Individual and Family plans?
The new sales and renewal commission is 10% on paid premium.
How will I be paid the new sales commission for Individual and Family plans?
Once the policy has been in effect for sixty days, you will begin to receive commission payments by direct deposit (or by check, if you've opted out of direct deposit). Commission payments will be paid monthly on paid premium.
How will I be paid renewal commissions for Individual and Family plans?
Renewal commissions will continue to be paid the month in which premiums are paid. You will be paid commissions by direct deposit (or by check, if you've opted out of direct deposit).
What happens if a policy cancels after the commission has been paid?
Any unearned commission will be charged back.
What are the methods of payments for premiums?
Payment methods available through DeltaDentalCoversMe.com are: credit or debit cards (Visa, MasterCard or Discover) or bank draft/electronic funds transfer (EFT). Checks are NOT accepted for sales made using your URL.
What are the premium modes?
Monthly, semi-annual, and annual.
Where can I find premiums for Individual and Family plans?
You, and your clients, can use your unique URL to get quotes. Quoted premiums are based on the plan selected, ZIP Code, and number of dependents to be covered. Rates for some plans are based on the age of the policyholder or dependent on the policy effective date.
What are the effective dates that a client can request?
When they enroll using your URL, your client can choose an effective date of the first of the month for either of the two months following their enrollment.
Example: You submit your client’s application online on December 12. Your client can select an effective date of January 1 or February 1.
What is the last day of the month that an application can be submitted for an effective date of the first of the following month?
Credit/debit card applications must be received by the last business day of the month for an effective date of the first of the next month. When paying with bank draft/EFT, applications must be received by the 24th of the current month or the business day prior if the 24th is not a business day. If the application is received after the 24th, the plan will have an effective date of the first of the following month. This applies to applications submitted through your URL or via paper.
Example: An application received on the 27th of June with bank draft as the payment method will have an effective date of August 1st. That same application with a credit card as the payment method can have either a July 1st or August 1st effective date depending on the applicant’s preference.
Can an employer pay premiums for an employee?
No, an employer cannot pay premiums for an employee.
For New Jersey, the policyholder or other person covered by the plan can pay the plan premiums for Classic and Enhanced plans. A parent, guardian or similar person with insurable interest can pay the premium for the Clear plan even if it does not cover that person.
For Connecticut, the policyholder or other person covered by the plan can pay the plan premiums for Classic, Enhanced and Premium plans.
What is the contract period for the plans?
For New Jersey, all contract periods are on an annual basis. For Connecticut, all contract periods are on a month-to-month basis.
Can a member leave a plan mid-contract?
In New Jersey members cannot leave their plan mid-contract in most cases. When they purchase a Premium, Classic, Enhanced, or Clear plan, members are agreeing to keep the plan for at least 12 months.
However, there are five reasons why a member can leave their plan mid-contract:
1) They become covered under a group plan at work
2) The policyholder passed away
3) They enter into military service
4) Their marital status changes
5) Their civil union or domestic partnership status changes
In Connecticut, a member may terminate at the conclusion of any month.
Can you terminate a plan mid-contract?
Delta Dental can terminate a plan mid-contract for one of the following reasons:
1) Failure to pay premium,
2) A person covered by the policy commits fraud related to the policy, or
3) A person not covered by the policy uses the policy, or
4) A covered person fails to follow the terms of this policy.
Can a subscriber change plans at renewal?
Yes, they will need to submit an updated paper application. A paper app can be printed from DeltaDentalCoversMe.com or requested from our Sales Department at 888-899-3736. Submit the paper application by one of the following methods:
How do I use the URL to sell Individual and Family plans?
Use the custom URL we assigned to you and navigate to DeltaDentalCoversMe.com. You must use the custom assigned URL to receive credit for the sale and be paid commissions. You may enroll your client directly, or you may provide the custom URL to your client to enroll.
If you enroll your client directly, you will need information for your client such as dates of birth for all persons being enrolled, as well as information about the method of payment.
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