Michigan Association Retired School Personnel

Frequenty Asked Questions


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AMBA


Who is AMBA?

AMBA stands for Association Member Benefits Advisors. We administer benefits for your association. Think of us as your main hub for your associations benefit program.

How can I reach AMBA? / Contact Us:

AMBA can be reached by phone Monday-Friday from 8am-5pm CT by calling 1-800-258-7041. Our member services team is here to serve you!

Billing & Existing Account Questions: 1-866-615-4051

Customer Service: 1-800-258-7041
Monday-Friday from 8am-5pm CT

Cancellations: Cancellations@amba.info

Dental Claims – Ameritas – 1-888-239-3336

Vision – VSP: 1-800-877-7195

All other questions: inquiries@amba.info

Enroll Online or View Benefit Information: www.myambabenefits.info

Request a call back or send us your question by completing the Review Your Benefits form.

Mailing Address:
AMBA
6034 West Courtyard Dr. STE 300
Austin, TX 78730
Fax: 512-772-5795

Long Term Care


Who Needs it?

No one knows what the future holds in store. As people age, they may need help with things they once were able to do for themselves. Accidents and injuries mean younger people need long-term care services, too.

Where are Services Provided?

Long-term care doesn’t mean you have to go to a nursing home. Services are available in a variety of settings:

  • Home
  • Community
  • Assisted Living Facility
  • Nursing Home
Why it’s Important

A long-term care insurance policy may be an important component of your overall plan for retirement.

  • Pays a portion of your long-term care expenses
  • Helps protect your retirement assets
  • Allows you to spend your retirement the way you planned
How Will You Pay?

You could purchase a long-term care insurance policy,and...

  • Supplement your out-of-pocket expenses with policy benefits to help pay your long-term care expenses
  • Protect a portion of your assets so you can use them as planned
  • Stay connected to the things that matter most

Short Term Care / Home Health Care


How much does Home Aide generally cost?

On average home health aide cost about $46,332 per year based on 44 hours per week for 52 weeks.

Does Medicare cover all recovery period costs?

No, Medicare has restrictions and limitations on what it will cover for skilled home care assistance. Unfortunately, seniors mistakenly believe that Medicare covers the entire recovery period at home. Out-of-pocket costs can be expensive for accidents or illnesses with long recovery times.

How are HHC benefits paid?

Benefits paid directly to you and you decide how to spend the benefits. Or payments can be made to a medical provider that you designate, and are paid in addition to any other health care coverage, including Medicare.

Did you know?

Your insurance may pay different coverage amounts based on the type of stay in the hospital. This policy could help cover unexpected expenses.

What are the main causes of the need for Home Health aide?

Almost a quarter of all seniors visit the emergency room due to these top 10 conditions:

  1. Injuries and accidents
  2. Heart disease
  3. Chest pain
  4. Adverse effects and complications of medical treatment
  5. Abdominal pain
  6. Chronic obstructive pulmonary disease
  7. Pneumonia
  8. Urinary tract infection
  9. Stroke
  10. Spinal disorders

Medical Transportation


Do I have MASA benefits if I am at home?

Yes! MASA will be there for you if you become ill or get injured and require local transportation by ground ambulance or helicopter or if you need to be transferred by air ambulance to an upgraded medical facility. Your MASA membership will also get you specialized medical care that is not available locally.

Do I have MASA benefits if I am at home?

Yes! If you get sick or injured and require hospitalization, MASA can get you back home for treatment and recuperation. And if you require an air ambulance, MASA will even send a relative or friend with you so you do not have to be alone. Plus your membership can return a stranded vehicle back to your home by a bonded driver.

Who decides if I am going to be transported by an air ambulance?

Your attending physician and MASA’s medical director determine when and where you will be flown. MASA takes care of all the details and the transportation.

What do I do in an emergency?

If you are in the U.S., call 911 first as you would normally do. Once you are safe and in stable condition, call MASA and they will take care of everything.

If you are overseas, use the emergency services available in your area and then contact MASA.

What happens if I pass away while away from home?

MASA will cover the air waybill for returning the member’s remains to the airport nearest the member’s permanent address.

When do my MASA benefits start?

Your benefits start immediately once we receive your completed application.

Whole Life Insurance


Is everybody between age 45-85 guaranteed acceptance for this protection at affordable rates?

Yes! Acceptance is guaranteed for those between age 45 and 85.

Can I be turned down because I have health problems?

You cannot be turned down for any health reason. Your acceptance is guaranteed. (Each insured may have a combined maximum of $25,000 coverage of this type from United of Omaha Life Insurance Company.)

Will my rate always be exactly the same?

There is absolutely no way that your rate can be increased. The affordable rate you start with is the rate you stay with – for life. You’ll never pay any more.

You say “no obligation.” Please explain.

Just fill in the pre-approved application form and mail it in the postage-paid envelope with your payment. You will be billed your premiums and you’ll receive your policy. If you are not 100% satisfied, just return your policy to us within 60 days and your money will be refunded.

Can I be canceled for any reason?

You cannot be canceled for any reason as long as your premiums are paid when due.

Term Life Insurance


Can help pay off debts if they die

In the event of death, provides cash that may be used to pay off debts, enabling the surviving spouse and children to keep the current lifestyle.

Can help provide income for mortgage payments if they become disabled

In the event of a covered disability, this rider provides cash that can be used to make mortgage payments for either 18 or 30 months, after a 90-day* elimination period.
*In MD – 120-day elimination period.

Residential Damage Rider

If the primary residence sustains $25,000 or more of damage, this provision allows the monthly base premiums and riders to be waived for one six-month period.

Waives premiums if they become unemployed

In the event of qualifying unemployment, provides for premiums to be waived for one six-month period.

Refunds all premium paid

At the end of the policy term, this provision provides for a refund of all premiums paid if the life insurance is no longer needed.

Disability


How does disability income insurance work?

Disability insurance provides supplementary income in the event an illness or accident results in a disability. Benefits are usually paid monthly so the insured can maintain a comparable standard of living and pay recurring expenses.

What do disability insurance policies usually cover?

Disability insurance may cover everything from total disability to rehabilitation and even the short period after you recover from your disability.

Accident


I also have disability coverage. Isn’t that enough?

Ideally, you'd have both, because your disability coverage may not provide you a lump-sum payment to help you to take care of day-to-day living expenses and still have money for your recovery. Accident coverage can pay a lump-sum benefit in addition to any disability coverage you may have. Also, most disability plans provide a reduced monthly benefit, and many are valid for just a limited time.

Will my premiums increase in the future?

Your premiums are group premiums designed to make this coverage affordables.

What is covered?

Covered losses range from loss of hearing to more serious injuries, such as paralysis and brain damage.

Annuity


What is a Fixed Income Annuity (FIA)?

An FIA is a contract between you and an insurance company where you pay for the annuity in either a single lump sum or multiple payments over time. In return, the insurance company promises to make payments from the annuity to you in a single or series of payments. An FIA is linked to an external equity index. FIAs can provide a steady, guaranteed income stream.

How is an FIA unique?

FIAs offer the opportunity for growth and a steady, guaranteed lifetime income stream, as well as protection from the uncertainty of market volatility. These benefits are designed to help you moderate risk and reward.

What are some of the reasons people choose an FIA?

A Many people say the number one thing they will miss in retirement is a steady paycheck. FIAs can provide a steady, guaranteed lifetime income stream. Additionally, FIAs provide balance and help you moderate risk in your financial plan. Invrsting in an FIA ensures earnings never fall below zero.