This is an important announcement for agents with customers in California, Florida, North Dakota, and Washington and for those with business in these states. The counties below are under a federal or state designated SEP due to an emergency.

Please note: A disaster SEP application is only valid while the SEP declaration is in effect. If an end date is not listed below, please refer to our Ongoing SEP tracker in Producers’ University for the most up-to-date information. Any SEP applications submitted outside of that SEP’s declaration date will be rejected.

IMPORTANT:

• Please be aware this does not mean that active marketing can occur.
• The SEP is only for the purpose of providing a SEP to impacted individuals who had a valid election during the incident and were unable to make that election due to the emergency.
• This does not mean that Cigna Healthcare initiates waiving of authorization or referral requirements.
• This does not extend waiving of prior authorizations, referrals etc. 
   

SEP for Government Entity-Declared Disaster or Other Emergency

42 CFR 422.62(b)(18)

(Rev. 2, Issued: August 12, 2020; Effective/Implementation: 01-01-2021)

An SEP exists for individuals affected by a disaster or other emergency declared by a Federal, state or local government entity who were unable to, and did not make an election during another valid election period. This includes both enrollment and disenrollment elections.

Individuals are eligible for this SEP if they:

• reside or resided at the start of the SEP eligibility period where a federal, state or local government entity declared a disaster or other emergency. 
• were eligible for another election period at the time of the Disaster Election Period (DST) eligibility period.
• did not make an election during that other valid election period due to the disaster or other emergency.

The SEP starts on the date the declaration was made or the incident start date whichever is earlier. The SEP ends two full calendar months following the end date identified in the declaration or the date the end of the incident is announced, whichever is later.

 
California

Declaration information NEW

FEMA declaration: Severe Storm and Flooding

SEP incident dates: 01/21/2024 - 03/19/2024

This SEP declaration is effective: 01/21/2024 - 04/30/2024

Impacted counties for SEP purposes: San Diego County

Florida

Declaration information UPDATE: Renewal

State declaration: Hurricane Nicole

SEP incident dates: 11/07/2022 - 05/17/2024

This SEP declaration is effective: 11/07/2022 - 06/30/2024

Impacted counties for SEP purposes: Alachua, Baker, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden, Gilchrist, Glades, Gulf, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Jefferson, Lafayette, Lake, Lee, Leon, Levy, Liberty, Madison, Manatee, Marion, Martin, Miami-Dade, Monroe, Nassau, Okaloosa, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Santa Rosa, Sarasota, Seminole, St. Johns, St. Lucie, Sumter, Suwannee, Taylor, Union, Volusia, Wakulla, Walton, and Washington Counties

North Dakota

Declaration information NEW: Retro approval

FEMA declaration: Severe Winter Storm and Straight-line Winds

SEP incident dates: 08/18/2023 - 03/15/2024

This SEP declaration is effective: 08/18/2023 - 04/30/2024

Impacted counties for SEP purposes: Barnes, Cass, Dickey, Grant, LaMoure, Logan, McIntosh, Ransom, Richland, Sargent, Steele, Stutsman, Traill Counties

Washington

Declaration information NEW: Retro approval

FEMA declaration: Wildfires

SEP incident dates: 08/18/2023 - 03/15/2024

This SEP declaration is effective: 08/18/2023 - 04/30/2024

Impacted counties for SEP purposes: Spokane County

Updates to Cigna's DST application process

Two key updates:

• The date of the disaster is no longer required on any DST applications. 
• The missed election period is not required on most applications. See clarification below.

Keep in mind: Some missed election periods will still require you to input the missed election period AND the date of the missed election period on the application. Some examples include MOV (moving) or LEC (losing group coverage). The application will contain an "open" date field next to the SEP selections that still require a date to help you know when it is required.

Please read below for important application instructions.

For all applications, ensure that the following fields are completed:

• Select "SEP" in the Select Enrollment Period field.
• Enter code "DST" in the SEP Code field.
• If applicable, enter the date that applies for the missed election period. For example, a date is needed only if the missed SEP already required a date, such as moving, losing group coverage, losing or gaining Medicaid, etc. If the missed SEP or election period does not require a date on the application, the missed election period is not required. However, adding it on the application will expedite our review process. (i.e., AEP, OEP, LIS, MDE).

DST is not a stand-alone election period. For questions about DST eligibility, please review Cigna's Election Period grid, found in the Resource Center of Producers' University.

LIBR adjustments on IncomeShield 7, 9 & 10, effective March 1!

American Equity is proud to offer simple, transparent products at competitive rates within the industry. They remain committed to helping their contract owners protect their retirement dollars.

American Equity will be making adjustments to their Lifetime Income Benefit Rider (LIBR) (details listed below). These adjustments are designed to help simplify income planning for you and your clients. This also allows for more options for your longer-term clients.

IncomeShield 7, 9 & 10 Adjustments

These adjustments impact the LIBR Options 3 and 5* for IncomeShield 7, 9 and 10. Options 1, 2, 4 and 6 are unaffected by these changes.

Options 3 and 5 will have an updated Income Account Value (IAV) rate and an increased accumulation period effective Friday, March 1, 2024.

*Option 5 not available in CA

New dental and dental plus plans are coming to New Mexico on February 23rd!

Due to new regulatory requirements from the New Mexico Department of Insurance, Aetna is launching revised Dental and Dental Plus insurance plans in New Mexico to conform with these new requirements. 

Here’s your latest news and important updates from Anthem Blue Cross Blue Shield of New Hampshire. If you have any questions on the information provided, please reach out to your Anthem Blue Cross Blue Shield of New Hampshire sales representative listed below.

Americo continues to be a leader in the simplified issue market due to your hard work and dedication. They are committed to providing you with the products and processes that fulfill the needs of this very specialized market. Americo is excited to announce that they will add a new Indexed Universal Life product to their portfolio later this month. This new IUL will be available on Americo's Agent Tools eApplication platform. 

ManhattanLife Insurance & Annuity Company is now announcing a new upcoming rate adjustment in the state of Idaho.

There is a 9.0 % increase for All Plans, effective as of March the 1st, 2024. This rate adjustment will be applied to all new and in-force business in Idaho.
Please refer to the points listed below to determine which rates should be applied.

• Any Medicare Supplement application signed on March the 1st, 2024, and when requesting an effective date of March 1, 2024 or later, will receive the new March the 1st, 2024 rates.   
• Any Medicare Supplement application signed after March the 1st, 2024, and when requesting an effective date of March 1, 2024 or later, will receive the new March the 1st, 2024 rates.   
• Any Medicare Supplement application re-dated on March the 1st, 2024 will receive the new March the 1st, 2024 rates.
• Any Medicare Supplement application re-dated after March the 1st, 2024 will receive the new March the 1st, 2024 rates.

Marketing Materials:

Created for your convenience, below is the new and applicable Rate Sheet. New applications can be ordered through the normal channels.

Click Here to Download the New Rate Sheet for the State of Idaho.

The Rate Sheet is 4 pages long, and you will see that it contains information about the following: 

• The Annual Preferred Community Age Premiums - for use in all Idaho Zip Codes
• The Annual Standard Community Age Premiums - for use in all Idaho Zip Codes
• The Monthly Preferred Community Age Premiums - for use in all Idaho Zip Codes
• The Monthly Standard Community Age Premiums - for use in all Idaho Zip Codes

If you have any questions, please feel free to contact your ManhattanLife Insurance & Annuity Company marketer.

Another viable option would be to contact ManhattanLife Insurance & Annuity Company's Agent Services team by calling their help number, at (866) 708-6194.