1. How may I reach a Delta Dental of Nebraska sales representative?
2. As a new benefits administrator, what materials and acknowledgment can I expect?
3. What sections on the enrollment form must be filled out?
4. What constitutes an eligible employee for dental coverage with Delta Dental's smaller employer plans?
5. Does Delta Dental have a minimum premium contribution required by employers to set up a dental plan?
6. How are dental benefits affected if a dependent child is ill or injured and can no longer attend school on a full-time basis? 

1. How may I reach a Delta Dental of Nebraska Sales Representative?
Our staff are trained to assist with sales and service of employer groups. Our staff can provide product information, rates, and quotes as well as general assistance for your day-to-day needs. To contact one of our sales representatives, please dial 402-397-4878 (local) or toll free at 800-736-0710.

2. As a new benefits administrator, what materials and acknowledgment can I expect?
The benefits administrator for our new customers receives a welcome letter, group contract, and administration manual, this will be delivered by your broker if applicable. The administrator also receives an identification card and summary plan booklet for each employee. If a broker is associated with the new group, he/she also receives a copy of the welcome letter and contract.

3. What sections on the enrollment form must be filled out?
The benefits administrator and/or broker is responsible for making sure Parts A through G on the enrollment form are complete and accurate for each enrolled employee. The employee's signature is also required in Part G. Part F (Other Coverage) should be completed as accurately as possible, as Delta Dental uses this information to determine group participation. If an employee waives all coverage, or is married and wants employee-only coverage, information on whether or not the employee's dependents have coverage and if so, the name of their carrier, must be provided. The Employer Section at the bottom of the form must also be completed when possible.

4. What constitutes an eligible employee for dental coverage with Delta Dental's smaller employer plans?
Full-time employees working a minimum of 20 hours per week or subject to the employer's practice (if greater than 20 hours per week) are eligible. Seasonal or temporary employees are usually not eligible.

5. Does Delta Dental have a minimum premium contribution required by employers to set up a dental plan?
Delta Dental no longer has a minimum premium contribution requirement. If the participation and underwriting requirements are met, the group will be approved for coverage. Group plans that have less than 50 percent employer premium contribution are typically considered to be voluntary. 

6. How are dental benefits affected if a dependent child is ill or injured and can no longer attend school on a full-time basis?
Under Michelle's Law, if an unmarried dependent child who was attending a postsecondary educational institution on a full-time basis and is currently covered under the parent's dental benefit policy becomes seriously ill or is injured, he/she may continue to be covered. In order to remain covered, a physician must provide written documentation supporting the need for a medical leave.

Under the law, effective October 1, 2009, students may remain covered under their parent’s dental plan until the earlier of 12 months or until their coverage would otherwise terminate under the policy. 

If an unmarried dependent child becomes disabled for an indefinite period of time, (s)he may be considered incapacitated. If the subscriber's dental plan has an incapacitated dependent provision, the subscriber can apply to continue coverage. To be eligible, the dependent:

• Must be incapable of self-support because of mental retardation or any mental or physical disability
• Became disabled before reaching the age limit for coverage
• Depends on the subscriber for financial support and maintenance

In both cases, the subscriber needs to provide document of the illness, injury or incapacitation. The subscriber should print and complete the Disabled Dependent/Michelle's Law Application. Once the form has been completed by the subscriber and the child’s physician, send it to the employer’s benefit representative who will provide the necessary information to Delta Dental.

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