Treloar & Heisel’s Proactive Measures
Due to the impact of the novel coronavirus (COVID-19), Treloar & Heisel has taken proactive measures to help ensure the safety and well-being of our employees, clients, and community, while also attempting to provide the same level of service to our clients. In the pursuit of these goals, Treloar & Heisel has closed our offices and implemented remote working arrangements for Treloar & Heisel employees. With this remote working arrangement, we do not expect any disruption in our ability to service our clients.
Advisor Review
You are still able to schedule a meeting or talk with your Treloar & Heisel advisor, with all meetings being conducted virtually. You can contact your advisor by phone or email and schedule a meeting. You can find the contact information for your advisor here: https://www.treloaronline.com/find-an-advisor
Insurance Coverage Resources
Because insurance coverage is determined on a case-by-case basis, with varying facts, applicable law, and policy language, it is difficult to provide specific coverage information related to this unprecedented event. However, we are working with our insurance companies to obtain general information about insurance coverage and service. Due to the evolving nature of this event, this information may change over time.
At this time, Treloar & Heisel and our advisors can provide some general information, but each insurance company must be consulted for their coverage related to this event. You may contact your advisor as described above, to discuss questions you may have. We have provided links below to some of the insurance companies that have guidance or resources about this issue. Even though your policy may not generally cover these types of situations, we are still encouraging clients to file if you have a potential claim, so that the insurance company can make their determination.
Insurance Company Resources
- MassMutual: 1-800-272-2216
- Principal: 1-800-247-9988
- Guardian: 1-888-482-7342
- MedPro Group
- The Hartford
- Hanover
- Travelers
- Chubb
- Brighthouse: 1-800-638-5000 (askchange@metlife.com)
State-Specific Resources
Many state insurance departments have issued guidance or temporary rule changes based on the coronavirus. In some states, insurance companies either have been requested or required to provide an extended grace period for non-payment of premiums to individuals affected by the coronavirus situation. Many insurance departments have also provided FAQ guides regarding coverage related to the coronavirus’s impact. You should review your state’s response to the coronavirus situation and consider discussing it with your insurance advisor. We have provided links below to the relevant insurance department webpages for each state and the District of Columbia.
Alabama: https://www.aldoi.gov/Consumers/COVID19.aspx
Alaska: https://www.commerce.alaska.gov/web/ins/
Arizona: https://insurance.az.gov/covid19
Arkansas: https://insurance.arkansas.gov/news/2020/mar/23/covid-19-health-insurance-information-consumers-an/
California: http://www.insurance.ca.gov/01-consumers/140-catastrophes/Coronavirus.cfm
Colorado: https://www.colorado.gov/pacific/dora/covid-19-and-insurance
Connecticut: https://portal.ct.gov/CID/Coronavirus/Coronavirus-Resources
Delaware: https://insurance.delaware.gov/covid-19-insurance-faq/
District of Columbia: https://disb.dc.gov/service/covid-19-resourceshttps://disb.dc.gov/sites/default/files/dc/sites/disb/publication/attachments/Insurance%20During%20Coronavirus%20%28COVID-19%29.pdf
Florida: https://www.floir.com/Office/Coronavirus-COVID-19.aspx
Georgia: https://www.oci.ga.gov/ExternalResources/Announcements/Directive-3202020-1057.pdf
Hawaii: http://cca.hawaii.gov/ins/covid19/
Idaho: https://doi.idaho.gov/consumer/Health/COVID
Illinois: https://insurance.illinois.gov/healthInsurance/COVID-19.html
Indiana: https://www.in.gov/idoi/3109.htm
Iowa: https://iid.iowa.gov/covid-19
Kansas: https://insurance.ks.gov/documents/department/COVID19-FAQ.pdf
Kentucky: http://insurance.ky.gov/PPC/Default.aspx
Louisiana: https://www.ldi.la.gov/consumers/insurance-type/healthinsurance/covid-19/
Maine: https://www.maine.gov/pfr/insurance/covid19_cornoavirus/index.html
Maryland: https://insurance.maryland.gov/COVID-19/Pages/default.aspx
Massachusetts: https://www.mass.gov/info-details/insurance-faqs-during-covid-19-coronavirus-public-health-crisis
Michigan: https://www.michigan.gov/difs/0,5269,7-303-98496---,00.html
Minnesota: https://mn.gov/commerce/consumers/covid-19/
Mississippi: https://www.mid.ms.gov/consumers/covid.aspx
Missouri: https://insurance.mo.gov/
Montana: https://csimt.gov/covid-19-info/
Nebraska: https://doi.nebraska.gov/coronavirus-covid-19-information
Nevada: http://doi.nv.gov/News_Notices/Emergency_Notices/
New Hampshire: https://www.nh.gov/insurance/covid-19/index.htm
New Jersey: https://www.state.nj.us/dobi/covid/index.html
New Mexico: https://www.osi.state.nm.us/index.php/covid-19/
New York: https://www.dfs.ny.gov/consumers/coronavirus
- Life Insurance and Annuities Notice: https://www.dfs.ny.gov/industry_guidance/coronavirus/model_producer_notice/life_annuity_fraternal
- Property and Casualty Insurance Notice: https://www.dfs.ny.gov/industry_guidance/coronavirus/model_producer_notice/property_casualty
North Carolina: https://www.ncdoi.gov/consumers/coronavirus-covid-19-news-information-bulletins-and-advisories
North Dakota: https://ndresponse.gov/covid-19-resources/covid-19-faqs
Oklahoma: https://www.oid.ok.gov/covid-19/
Oregon: https://dfr.oregon.gov/insure/health/understand/Pages/coronavirus.aspx
Pennsylvania: https://www.insurance.pa.gov/coronavirus/Pages/coronavirus.aspx
Rhode Island: https://dbr.ri.gov/
South Carolina: https://doi.sc.gov/948/COVID-19
South Dakota: https://dlr.sd.gov/covid_19_resources.aspx
Tennessee: https://www.tn.gov/commerce/news/2020/3/20/tdci-covid-guidance-2020.html
Texas: https://www.tdi.texas.gov/news/2020/coronavirus-updates.html
Utah: https://insurance.utah.gov/featured-news/coronavirus
Vermont: https://dfr.vermont.gov/covid-19/insurance
Virginia: https://www.scc.virginia.gov/boi/covid19.aspx
Washington: https://www.insurance.wa.gov/coronavirus
West Virginia: https://www.wvinsurance.gov/COVID-19
Wisconsin: https://oci.wi.gov/Pages/COVID-19.aspx
Wyoming: http://doi.wyo.gov/COVID-19%20Bulletin.pdf?attredirects=0&d=1