FAQs regarding COVID-19

We are here for you.

We at Corestream understand that everyone is experiencing unprecedented changes in both personal and professional ways of life during the COVID-19 Pandemic. 

That being said, we want you to know that we are dedicated to maintaining our high standard of service. We know that Corestream occupies a unique position, in that many of the benefits we offer will help to protect and empower employees during these challenging times. Our Customer Care Team is geographically distributed, experienced, and fully equipped to deliver support remotely, with the same level of assistance and response time you have come to rely on. 

Below you can find information and FAQs about the impact of COVID-19 on products we offer, including your options to continue those coverages should there be a change to your employment situation.

General FAQs

What happens to my policy coverage if I'm furloughed or go on leave without pay?
Typically, your policy coverage can continue if you switch payment from payroll to a different form of payment (e.g. credit card, direct deposit, check, etc.). How this is handled differs by provider, however, so please reach out to our Customer Care team to learn about your coverage continuity options at customerservice@corestream.com or (888) 935-9595.
What happens to my policy coverage if I'm terminated?
Typically, your policy coverage can continue if you switch payment from payroll to a different form of payment (e.g. credit card, direct deposit, check, etc.). How this is handled differs by provider, however, so please reach out to our Customer Care team to learn about your coverage continuity options at customerservice@corestream.com or (888) 935-9595.
Will my coverage continue if I'm unable to pay the premium amount?
Some providers allow a grace period, but rules differ by provider, so please reach out to our Customer Care team to learn about your coverage continuity options at customerservice@corestream.com or (888) 935-9595.
What happens when I come back to work after my furlough period ends?
The process for restarting your coverage and deductions through payroll differs by carrier, so please reach out to our Customer Care team to learn about restarting your payroll deduction at customerservice@corestream.com or (888) 935-9595.
What happens if I have a reduction in hours?
Depending on the level of reduction, you may either have continued payroll deductions or may be required to switch payment from payroll to a different form of payment (e.g. credit card, direct deposit, check, etc.). How this is handled depends on the number of weekly hours worked and also differs by provider, so please reach out to our Customer Care team to learn about your coverage continuity options at customerservice@corestream.com or (888) 935-9595.
Can I apply for a Premium Holiday if my Spouse is furloughed/layed off?
For details on applying for premium relief with your provider, please reach out to Corestream's Customer Care team by emailing customerservice@corestream.com or calling (888) 935-9595.
Can I change my coverage elections during a layoff or furlough?
To make changes to your coverage elections, please reach out to Corestream's Customer Care team by emailing customerservice@corestream.com or calling (888) 935-9595.
Can I switch from payroll deducted to direct billing?
Most providers do allow an option to switch payment from payroll deduction to direct billing, though this process differs by provider. Please reach out to Corestream's Customer Care team by emailing customerservice@corestream.com or calling (888) 935-9595 so our team can assist you.

Provider FAQs

Please email customerservice@corestream.com or call (888) 935-9595 and our team can assist you with your specific needs.

 

Aflac
  • Aflac’s COVID FAQ page provides policy information here.
Allstate
  • Allstate Benefits is offering an extended premium payment grace period for customers affected by the COVID-19 pandemic. During this time, they will accept payments without penalty up to 120 days late starting from March 23, 2020.
  • In addition, you can view Allstate’s COVID FAQ page here.
ASPCA
  • You can view ASPCA’s COVID FAQ page here.
Crunch
  • Crunch has paused memberships due to COVID, and therefore payroll deductions have been paused. You can view Crunch’s COVID FAQ page here.
  • Click here for free access to Crunch online.
FinFit
  • You can view FinFit’s COVID FAQ page here.
Gold’s Gym
  • Gold’s Gym has paused memberships due to COVID, and therefore payroll deductions have been paused.
  • Click here for free access to Gold’s Gym online.
GradFin
  • You can view GradFin’s COVID FAQ page here.
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ID Watchdog
  • From now through May 31, ID Watchdog will offer a continuation of service to employees currently enrolled with ID Watchdog products and services. Once employees opt in, they will receive free identity theft protection services for up to 90 days. Family members included under a family plan will receive the free service as well. This service extension will be offered at no cost and will closely mirror the plans they are receiving today.
  • For all plans, ID Watchdog will be offering a 1-Bureau solution from Equifax for credit monitoring, credit scores and reports, and credit report lock. Employees currently enrolled in a plan with 3-Bureau monitoring will have the option to pay for their original plan via credit card.
  • All other features, including identity monitoring and ID theft resolution, will continue to be provided to employees for 90 days.
Kashable
  • Kashable is suspending the reporting of credit and will not charge late fees at this time.
LegalShield
  • You can view LegalShield’s COVID FAQ page here.
Liberty Mutual
  • At this time, Liberty is offering a 15% premium discount for existing policies for April and May 2020. However, these dates are subject to change.
  • In addition, you can view Liberty's COVID FAQ page here.
LifeLock
  • You can view LifeLock’s COVID FAQ page here.
MetLife Supplemental Health
  • For group life, dental, AD&D,  vision, accident & health and legal coverage, MetLife will allow employees who are furloughed, temporarily laid-off or have reduced hours/salary to continue their coverage for 12 months from the date of the furlough, temporary lay-off, or reduced hours/salary. Premiums must be remitted for coverage to remain active.
  • In addition, you can view MetLife’s COVID FAQ page here.
MetLife Auto & Home
  • At this time, MetLife is offering a 15% premium discount for existing policies for April and May 2020. However, these dates are subject to change.
  • In addition, you can view MetLife’s COVID FAQ page here.
MetLife Legal - (Hyatt)
  • MetLife Legal Plans is offering free attorney document review and consultation services to all employees. You do not have to be currently enrolled in the legal plan to contact an attorney for help with issues related to this event. This free assistance is available through 7/31/2020. To get connected to an attorney, call the MetLife Legal Plans Customer Service Center at 800-821-6400.
  • In addition, you can view Met’s COVID FAQ page here.
Nationwide
  • A grace period on billing for all pet insurance members will be honored, by request. Nationwide customer service representatives can provide a 60-day grace period for non-payment resulting from COVID-19 impacts, starting March 11, 2020 through June 1, 2020.
  • In addition, you can view Nationwide’s COVID FAQ page here.
Reliance
  • Reliance will allow an employee to maintain insurance coverage for 60 consecutive calendar days if an employer temporarily: Reduces an employee’s hours or sends the employee home as part of a lay-off, furlough, or facility closure. In addition, you can view Reliance’s COVID FAQ page here.
Travelers
  • At this time Travelers is offering a 15% premium discount for existing policies as of 3/1/20 for April and May 2020. However, these dates are subject to change.
  • In addition, you can view Travelers FAQ page here.
UNUM
  • You can view UNUM’s COVID FAQ page here.
VSP
  • You can view VSP’s COVID FAQ page here.
 
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