Plan Documents & Eligibility

For employers who must furlough or lay off employees, RSLI will follow the eligibility rules outlined in the Plan Document.

In order to address continuation of coverage under the Stop Loss Plan and maintain their active status under the Plan, RSLI is accepting any form of written notice of their intent to change the eligibility requirements under their plan.

This is in lieu of a formal plan document amendment during these times. Stop Loss protection remains in-force as long as premium continues to be paid on behalf of these members.

RSLI agrees to cover COVID-19 treatment like any other illness, adhering with the Plan Document benefit provisions.

Layoffs & Furloughs

Please see above "Plan Documents & Eligibility" section.

COBRA Extension Guidelines

For this topic, we are using the DOL’s definition of Outbreak Period which is the period from March 1, 2020 until 60 days after the announced end of the National Emergency or such other date announced by the DOL in a future notice.

Policy Administration & Wet Signatures

RSLI will accept digital / electronic signatures on Proposals, Stop Loss Applications, and Stop Loss Policy forms.

Early Rx Refills

Policyholders who decide to allow covered participants to receive early prescription refills to ensure they have a 30-day supply will be allowed to apply these costs as eligible expenses under their Stop Loss policy without prior notification.

Telemedicine & Virtual Visits

Policyholders who decide to waive cost-sharing for telemedicine and virtual healthcare visits for covered participants will be allowed to apply these costs as eligible expenses under their Stop Loss policy without prior notification.

Cost Share

Policyholders who decide to waive the cost of deductibles, copays, and costsharing for COVID-19 testing for covered participants will be allowed to apply these costs as eligible expenses under their Stop Loss Policy without prior notification.

Rate Guarantee

For Cases with Less Than 500 Lives:

Reliance Standard has announced it will maintain current plan rates for all clients with 500 or fewer employees with renewal effective dates of May 1 through August 1, 2020.

This accommodation takes effect immediately across all employee benefit lines of coverage: group life, short- and long-term disability, critical illness, group accident, hospital indemnity, dental, vision and accidental death and dismemberment.

Rate holds are guaranteed for 12 months, to the 2021 renewal date(s).