We want to be sure you understand which voluntary benefits are available to you and your family. These benefits are a valuable addition to your core medical insurance, and we encourage you to learn about each one and contact us for further information.
As a member of New Jersey Amalgamated Transit Union, full-time and part-time employees are eligible for the following benefits which are available through the convenience of payroll deduction:
If you have additional questions, or would like to learn how to enroll in these benefits, call (866) 902-2561 for a personal Benefit Consultation.
The following rules apply for those who wish to enroll in Voluntary Benefits:
When you have a busy life, things change at the speed of light. When you need to update your benefits due to life changes, it should be easy!
Be sure to regularly review your elections to make sure your coverage meets your family’s needs and will protect you financially when it matters most.
If you need assistance with your benefits and to learn how to update or make changes, call (866) 902-2561 to speak with a Benefit Counselor.
Filing a claim when you need it most should be simple. Here you will find the tools you need to file a claim quickly.
If you need assistance filing your claim, or have general claims questions, the ATU Claims Line is here for you. Call and speak to a Counselor who can help you complete a claim form, or email us with your questions and we will respond with the information you need.
Voluntary Benefits are those that supplement your core health benefits with added financial protection in the event of injury, illness, death, or many other unexpected and unfortunate life events. These benefits protect you and your family by allowing you to manage the costs associated with these types of emergencies. Each benefit is designed for different circumstances, so it’s important to understand which one is best for you. To learn more, call (866) 902-2561 to learn what Voluntary Benefits are available to you.
Voluntary Benefits are available through the convenience of payroll deduction. Depending on the coverage you select, you will see a regular deduction come out of your paycheck, eliminating the need for you to set up any other mode of payment for these benefits.
That depends on which benefits you’re interested in. Some Voluntary Benefits are available by Guaranteed Issue – meaning you do not have to complete any medical tests or answer medical questions in order to be eligible and elect the benefit. Voluntary Benefits are available by Guaranteed Issue for all newly hired team members, but those who wish to enroll after their initial hire date must complete medical questions. To learn more about Guarantee Issue, call (866) 902-2561 to speak with a Benefit Counselor.
Call the BBS Benefit Solutions Customer Service line (866) 902-2561, Monday through Friday, 8:00 a.m. to 7:00 p.m. to determine your eligibility.
Call the BBS Benefit Solutions Customer Service line at (866) 902-2561, Monday through Friday, 8:00 a.m. to 7:00 p.m. and one of our Benefit Counselors will educate you on the benefit offerings.
Call the BBS Benefit Solutions Customer Service line at (866) 902-2561, Monday through Friday, 8:00 a.m. through 7:00 p.m. and one of our Benefit Counselors can assist you.
Please call the NJATU Claims line at (888) 284-2394, 8:00 a.m. through 7:00 p.m. Monday through Friday, and one of our Benefit Counselors will be able to assist you by verifying your coverage and providing the correct claim form.
10 to 15 business days (Processing time can be longer if forms are incomplete, medical records are needed, if a decision is being appealed, or if requested information is not submitted to us.)
Most often, missing/incomplete documents. Other causes include when the policy or coverage increases are in contestable period (within 1 year of the claim), if claim forms are submitted too early, wrong address on file for insured, if altered copies of previous claim forms are submitted, and when you are not under the regular care of a physician.
Pregnancy is considered the same as any other covered illness. A lump sum payment is made for pregnancies; 42 days for a vaginal delivery and 56 days for a caesarian delivery (minus your elimination period). Please note if you are out prior to or after your delivery, a medical necessity letter is needed from your physician that gives your disabling diagnosis, medical treatments you are undergoing, any restrictions you are under and your doctor must certify that you are totally disabled during that additional time.
How often we pay benefits depends on the nature of the claim and can change during the claim. We pay in the form of a check that is sent by standard mail to the address we have on file for you. (Note: please ensure you advise us if you move or need your check mailed to an alternate address, to avoid delays. We cannot stop-pay and reissue a check for 15 days after it was mailed.) We send an explanation of benefits with each payment that specifies any information needed and by when.
Benefits for a pre-existing condition will not be paid during the first 12 months the policy is in force. Pre-Existing Condition means a sickness or physical condition for which within 12 months before the coverage effective date: Symptoms existed that would cause an ordinary prudent person to seek advice or treatment from a Physician; or You were treated, received medical advice from a Physician or had taken prescribed medicine.
When you have questions about benefits or claims, we are here to help.
For general information, call the BBS Benefit Solutions Customer Service line at (866) 902-2561, Monday through Friday, 8:00 AM to 7:00 PM
For claims-specific information, please call the NJATU Claims line at (888) 284-2394, Monday through Friday, 8:00 AM to 7:00 PM