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What Is the Process for Wellness Back-payment?
Wellness Rewards is a non-insurance benefit that requires back-payments to add or increase the allowance mid-policy year.
What is a Back-payment?
Back-payments are required when increasing or adding Wellness Rewards mid-policy term because Wellness Rewards is designed to match the 12-month billing period of your accident and illness insurance payments. The back-payments catch your plan up from the beginning of your policy term to the date of Wellness Rewards addition or increase.
How Back-payments are Calculated
If you add back Wellness Rewards mid-policy year, the amount due will be spread across the remaining term.
For example:
Your policy year begins on 7/15/2020
You add Wellness Rewards to your pet's policy on 11/16/2020
5 months of back-payments are required to catch up the Wellness Rewards plan
The total Back-payment due will be evenly spread across the following 7 months
Wellness Rewards | Monthly Cost | Total Back-Payment Due | Back-Payment added for 7 month |
|---|---|---|---|
Wellness $300 | $22.92 | $114.60 | $16.37 |
Wellness $500 | $39.58 | $197.90 | $28.27 |
Wellness $700 | $56.25 | $281.25 | $40.18 |
When is Wellness Rewards Active After Back-payment?
If you add Wellness Rewards mid-term, the allowance is retroactive to the beginning of the current policy year.
For pets who were added mid-term, Wellness Rewards is retroactive to the date your pet was added to your policy in the current term.