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Stop Loss Claims

Frequently Asked Questions


A.   Policy applications are released 2 weeks after our Underwriter and Sales team approve the case. Your Regional Account Manager should be able to provide you with status updates.

A.   New Policies: Policies are issued and delivered to you immediately upon receipt of the signed Application and Plan Document Confirmation form.

Renewing Policies: If there were changes to the prior year's policy, we will release the current year's policy upon receipt of the signed application and plan document confirmation form. If there are no changes to the prior year's policy, the policy document previously issued will remain in effect upon receipt of the signed application and plan document confirmation.

You may request a copy of your policy at any time by contacting groupinstallations@ullico.com

A.   Depending on the carrier of your policy, Stop Loss premium payments should be sent to the following:

The Union Labor Life Insurance Company
PO Box 223772
Pittsburgh, PA 15251-2772

Fidelity Security Life Insurance Company
16132 Collections Center Drive
Chicago, IL 60693

Fidelity Security Life Insurance Company of New York
62883 Collections Center Drive
Chicago, IL 60693

For additional information, please send inquiries to groupinstallations@ullico.com

A.   Stop Loss Insurance mitigates the financial risk of a self-funded plan.

A.   Although PPO networks will allow the plan to get health care at a reduced cost, compared to what it would have paid in the absence of a network discount through pre-negotiated rates for its members, there are various other strategies to contain the plan's costs. Please visit our Cost Containment page for more details.

A.   You have different options of submitting your claims:

  • Via our website;
  • Via encrypted email to: StopLossClaims@ullico.com;
  • Via Fax to: (202) 682-6920; or
  • Via mail to:
         Stop Loss Department
         The Union Labor Life Insurance Company
         8403 Colesville Road
         Silver Spring, MD 20910

A.   We will send you an Acknowledgement letter within 72 hours of receipt of your claim. In the event that you do not receive an Acknowledgement letter, please contact us immediately.

A.   We can either send you a check or wire the money directly to your bank account. Please contact your Regional Account Manager for more details.

A.   The policy allows you to submit a claim within a year after the end of the benefit period.

A.   Deductibles, copays and coinsurance do not apply toward the Aggregate and/or Specific deductibles.

A.   Specific Claim reimbursements to the plan do not apply towards the Aggregate Deductible.

A.   Although we try to mimic the benefits under the SPD, some expenses may not be eligible under the Stop Loss policy. We encourage you to review the policy and compare it to your SPD. For assistance, please contact your Regional Account Manager.


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