Frequently Asked Questions
Cigna Dental:
Why can’t my provider office confirm eligibility with Cigna?
a) Providers must call our dental department to confirm eligibility.
Danielle Parco
T:718-513-2477 x101
b) All claims & correspondence must be mailed to United Benefit Fund for processing.
United Benefit Fund
40-26 235th Street
Douglaston, NY 11363
What happens if I go to an out of network provider?
Our dental plan does not pay out of network benefits.
What is my Copay?
Please refer to your specific dental plan:
Cigna 1 or Cigna 2
Are implants & orthodontist covered?
Cosmetic dental procedures are not covered.
What dental procedures would need a pre-determination?
Perio scaling, dentures, crowns, extractions, bridges. Please be advised to speak to dental department if you are unsure.
Principal 401(k) Plan:
How do I get information on my 401(k) plan ?
a) Members can inquire with 401k plan coordinator: Rita Delucia
Email: rdelucia@unitedbenefitfund.com
Telephone: 718-326-4052 ext 105
b) Members can contact Principal:
Plan ID: 4-61039
Telephone: 800-547-7754
Website: www.principal.com
How can I receive my 401(k) statements?
a) All 401k statements are emailed on a quarterly basis. If no email is on file please register with www.principal.com or call 1-800-547-7754.
b) All physical statements must be requested to principle via telephone.
What qualifies as a hardship?
All proof of proper documentation must be sent to rdelucia@unitedbenefitfund.com
a) Primary home purchase. Must supply copy of contract.
b) College tuition. Must submit institution semester invoice.
c) Unpaid medical bills. Must submit current provider statements.
d) Unpaid funeral expenses. Must have original invoice/bill that includes 401k participant as responsible party payee.
e) Please be advised submission of hardship does NOT guarantee approval. ONLY one hardship per year can be processed.
Does the 401(k) plan allow loans?
No. The 401(k) plan does not allow loans.
How do I retrieve 401(k) funds once I am terminated with employer?
a) Call Rita DeLucia T: 718-326-4052 x105
Email: rdelucia@unitedbenfitfund.com to confirm termination from plan.
b) Contact Principal T: 1-800-547-7754
Plan ID: 4-61039 for any further assistance and forms that are required for a distribution.
Medical Meritain Health:
How do I make certain that providers are in network?
Members can call 1-800-343-3140.
How do out of network claims get processed?
Out of network claims get processed at 100% Medicare rate.
How can I ensure if a procedure is pre-certified?
The pre-cert line is 1-800-242-1199.
How do I read the explanation of benefits?
Please refer to the hyperlink to better instruct you.
What happens when I have reached my medical yearly max?
Claims get processed at a 60/40 split. The insurance company will pay the provider 60% of the in-network & the member will be responsible for the 40% claim.