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Ancillary - Length of Time in Business Requirements

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Aetna

Dental: Start-Ups are eligible with minimum 2 weeks of consecutive payroll

Vision: No special requirements

Life: Not offered

Disability (STD, LTD): Not offered

 

Anthem Blue Cross

Dental: Start Up form, same as medical

Vision: Start Up form, same as medical

Life: Start Up form, same as medical

Disability (STD, LTD): Must be in business at least 1 year

 

Blue Shield of California

Dental: Start Up form, same as medical

Vision: Start Up form, same as medical

Life: Start Up form, same as medical

Disability (STD, LTD): Not offered

 

ChoiceBuilder

Dental: Long enough to be able to provide payroll if requested, minimum 2 months. Exceptions can be made

Vision: Same as dental

Life: Same as dental

Disability (STD, LTD): Not offered

 

Delta Dental

Dental: No minimums

Vision: No minimums

Life: Not offered

Disability (STD, LTD): Not offered

 

Guardian

Dental: No minimums

Vision: No minimums

Life: No minimums

Disability (STD, LTD): LTD – groups in business less than 2 years need UW review

 

Health Net

Dental: Same as medical

Vision: Same as medical

Life: Same as medical

Disability (STD, LTD): Not offered

 

Humana

Dental: No minimums

Vision: No minimums

Life: No minimums

Disability (STD, LTD): Not offered

 

MetLife

Dental: Group must be in business at least 1 year, no start-ups

Vision: Group must be in business at least 1 year, no start-ups

Life: Group must be in business at least 1 year, no start-ups

Disability (STD, LTD): Group must be in business at least 1 year, no start-ups

 

Principal

Dental:  Group must be in business at least 1 year, no start-ups

Vision: Group must be in business at least 1 year, no start-ups

Life: Group must be in business at least 1 year, no start-ups

Disability (STD, LTD): Group must be in business at least 1 year, no start-ups

 

UnitedHealthcare

Dental: Same as medical

Vision: Same as medical

Life: Same as medical

Disability (STD, LTD): Not offered in CA

 

Unum

Dental: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”

Vision: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”

Life: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”

Disability (STD, LTD): Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”

 

VSP

Dental: Not offered

Vision: No requirements

Life: Not offered

Disability (STD, LTD): Not offered

Ancillary: Length of Time Contact Using Business Requirements 

This guide has been created as a quick reference and does not replace the full underwriting guidelines published by each carrier
Please refer to the carrier guidelines for additional information

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