Benefits continuation during COVID-19

We understand that this is a difficult time for businesses, and we want to work with you and your clients to help keep their dental benefits in place through this health crisis. The below FAQs cover premium payment and employee coverage issues.

My company is experiencing financial difficulties due to COVID-19. What happens if I can’t pay my premium on time?
We will not terminate any dental benefit contract for non-payment through June 30th. If you are having issues with meeting premium payments due to COVID-19, please contact your account representative or our accounts receivable department at AccountsReceivable@deltadentalnj.com.

Are employees still covered during a furlough, leave of absence, reduction of hours, illness, or disability?
We will provide dental benefits as long as the group dental benefit contract remains in place and the employee or dependents continue to be enrolled in the plan. Group contract-holders are responsible for collecting and remitting payment to us.

What if an employee is quarantined? Are they still covered?
If the employee remains employed and enrolled in the plan, there will be no impact on coverage.

What happens if an employee terminates during this time?
In the event a terminated employee is eligible for continuation of benefits through COBRA or applicable state law, we will provide dental benefits as long as the group dental benefit contract remains in place and the terminated employee selects continuation. The group contract-holder, directly or through the COBRA administrator, is responsible for collecting and remitting payment to us. However, any termination made after the 15th of the month will require payment of premium in full for that month.