The New Billing System
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- Basil Powers
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1 The New Billing System
2 Get the most out of class
3 Disclaimer Independent Contractor Agents: Nationwide/Allied agents who are independent contractors are responsible for managing their own agencies. There are certain Nationwide/Allied procedures that must be followed in order to do business with Nationwide/Allied (e.g. use of Agent Center system to transmit business). The information in this training program may contain some of these required procedures and will be designated as such here or in other materials from Nationwide/Allied. All other documentation and information provided herein is for your consideration only, and it is not required that you use it. Nationwide/Allied cannot and does not guarantee that using any of the information contained herein will result in achieving your desired objectives, or that it is current or in compliance with your specific state laws. Nationwide/Allied continues to recommend that you consult with your personal attorney and business advisors regarding the specific operations of your agency.
4 New Billing System Our personal lines billing system is migrating to the existing Nationwide Platform of Billing Advantage. This change will allow us to take advantage of a multitude or enhancements that we will go over today.
5 How Conversion Works Members will receive a new 10 digit billing account number. Customers with FlexChek will automatically convert to REFT (Recurring Electronic Funds Transfer). If a member signed an authorization form to deduct funds from their banking account while on the FLEX billing system, they don t need to sign an REFT authorization form since their signature is on file. If a Powersports policy is on a 1P or 4P pay plan and the member has been making monthly payments via FlexChek, when converting to the new billing system, the policy will be moved to a 1P or 4P pay plan and set up as Direct bill. These pay plans do not support the monthly REFT pay method. If the customer has a Powersports policy on a monthly FlexChek plan, the policy will automatically be set up on a monthly REFT account. New Business cannot be added to existing FLEX accounts; any New Business will be set up on Billing Advantage. Once the existing policy converts to the new billing system, policies can be merged onto one account. NOTE: If a PUL policy is quoted prior to the Flex to BA Release date for the state, the policy will be billed out of the FLEX billing system and will later convert to the new billing system. When conversion begins in a state, most policies transition to Billing Advantage within days. It will not all happen at one time. Up to 50,000 policies are converted each weekend, with careful monitoring in place and adjustments being made as needed.
6 Today s Objectives Understand what the changes are in the Billing System New Billing Menu options Recognize its benefits Discuss the Billing differences from Flex
7 What is changing?
8 NEW Options under Billing Menu Old
9 NEW Account History
10 NEW Breakdown Request by Policy
11 Filters
12 Full History Filter
13 Debits/Credits Policy Filter
14 Customer Communications Policy Filter
15 User Comments Policy Filter
16 NEW Account History with a Warning
17 Warning & Cancellation On Flex, cancellation occurred at the Account Level, and not at the Policy Level. Notice of Cancellation sent to Billing Address. Agent could elect to have a hard copy of the Notice of Cancellation (Not an option on new billing system) On the new billing system, cancellation occurs at the Policy Level. When one policy cancels on the new billing system account, it does not necessarily mean the entire account is cancelled. Notice of Cancellation sent to Policy Address. Cancellation Date The new billing system uses one Cancellation date, which is the same date printed on the Notice of Cancellation generated to the member.
18 Reinstatement In PL we are moving from the word reissue and using Reinstate (which means with lapse).
19 NEW Billing Quick Reference
20 NEW Change Billing Address ONLY updates the new billing system NOT the policy
21 NEW Change Billing Due Date New billing system Can be any day from the 1 st through the 31 st
22 NEW Move Policy
23 NEW Pay Bill
24 NEW Service Center Action
25 Refunds/Credits The Refund Threshold for IC policies on the new billing system varies by state: Any amount is refunded CO, MD, VA Any amount equal to or greater than $1.00 is refunded AZ, CA, IA, ID, KS, MN, MO, MT, ND, NE, NV, OR, SD, TX, UT, WA, WI, WY Any amount equal to or greater than $2.00 is refunded FL, GA, IL, IN, MI, NC, NM, OH, PA, SC, TN Flex - when a refund was available on a cancelled policy, and there was still a balance due it was shared with other policies on the account. New billing system - the refund will generate at the policy level and be sent to the member regardless of any other premium owed by other. You CAN Request Service Center Action and have the money transferred to another account or policy instead of a refund issued.
26 SECTION TWO: Billing Differences Collections Fees Pay Method Pay Plan
27 NEW Collection Threshold $20 Flex (Previously) New billing system $50 $20 <$20 written off Flex (Previously) Mid-term cancel due to non-payment did not pursue New billing system Anything over $20 will be pursued
28 Fees The new billing system s process of applying fees is based on the policy s state rules. Charge increases to installment fees caused by conversion from FLEX to BA at first Renewal instead of on the first bill from Billing Advantage. If the new BA installment fee is greater than the last FLEX installment fee, a message will be added to the first renewal statement. Installment fee = $5 (or will follow state specific guidelines). An installment fee is charged along with the down payment. (applicable as per state rules) NSF fee = $30 Non- Refundable Fee: Florida EMPA (Emergency Mgmt Preparedness & Assistance Trust fund) Surcharge = One time (not spread over the length of the policy term), itemized Property policy fee charge on the bill. Fee will be charged at Downpayment with New Business, at Renewal, and with a Reinstatement.
29 Installment / Late Fees Waived For paid in full (single and multi-policy accounts monthly direct bill accounts); applicable in all states. Fees will be waived when members: Pay the full term premium at new business (within 10% of full term premium) Pay in full at renewal (within the 10% of full term premium) Are warned for a renewal bill and pay the full account balance (within 10% of full term premium) The following will not be affected: Recurring electronic funds transfer (REFT) accounts Recurring bankcard accounts Fees other than installment and late fees
30 Late Fee = $10 You do have the option of waiving one late fee per 12 months.
31 Pay Method Recurring Electronic Funds Transfer (FlexChek) and Recurring Bankcard payments The account will not switch to Direct Bill if the Recurring Electronic Funds Transfer or Recurring Bankcard payments fails for a chargeable reason. An Recurring Electronic Funds Transfer paper statement will only be sent to the member if the deduction changes by $2 or more. We are no longer sending blank statements that say No Bill is due (unless otherwise noted by a state exception). An Recurring Electronic Funds Transfer transaction will be processed on the business day after the due date if the due date falls on a holiday.
32 Pay Plans Pay Plan Conversion Chart Flex New Billing System No longer available Monthly (12-pay) Direct Bill Multi-policy Direct Bill FlexChek (not Full Pay or 4 Pay) Recurring Bank Card (Not Full Pay or 4 Pay) Full Pay Direct Bill Powersport Insured Full Pay FlexChek Powersport Insured Full Pay Recurring Bankcard Powersport Insured Full Pay Direct Bill Not Mortgage or Powersport Full Pay FlexChek Not Mortgage or Powersport Four-pay Direct Bill Four-Pay FlexCheck Four-Pay Recurring Bank Card PL 9-Pay, quarterly, semi-annual Monthly Direct Bill Monthly Direct Bill Monthly Recurring EFT Monthly Recurring Bankcard Full Pay (1P) Full Pay (1P) Full Pay (1P) Monthly Direct Bill Monthly Recurring EFT Four-pay (4P) Four-pay (4P) Four-pay (4P) Monthly Direct Bill Powersports The Paid in Full discount is applicable to the 1 pay/full pay plan. Four pay- 30/60/90 - No change in billing but REFT is no longer an option. If the customer would like to retain the REFT pay method, they can be moved to a monthly account. If a member has a Full pay account and has been making monthly payments, they will receive a letter notifying them that they will be moved to 1 pay/full pay plan on the new Billing System and will be removed from the REFT pay method. If they d like to pay monthly, they can request to be moved to a monthly pay plan.
33 SECTION THREE: SUBMIT FLOW
34 Submit Flow
35 MVR Report order results
36 Auto Billing Account Mail check is no longer an option
37 Auto Confirm Payment
38 Auto Payment Submitted
39 Desktop -3 new icons
40
41 PA Mailing payments With their bill, members will receive a coupon and window envelope to mail their payments. By using the coupon and envelope provided, the payment will be captured via the IMB (Intelligent Mail Barcode) Process and will be identified as a payment in flight. If the member no longer has the envelope, they can send their payments to the appropriate address below. For last minute payments, it is recommended that the member either makes a OTEFT payment, or drops the payment off at their agents office. By doing so, the payment can be processed more quickly. In the event the customer needs to make an overnight payment, they can send it to the address below. NOTE: Mail check is no longer an option for a down payment. For States Mail Payments to Bank Name Overnight Payments to.. Nationwide Insurance Wells Fargo Remitco P.O. Box Corporate Place Suite 250 Philadelphia, PA Monterey Park, CA Attn: Nationwide Box FL, GA, MD, NC, SC, VA Nationwide Insurance P.O. Box Charlotte, NC Wells Fargo Remitco 2525 Corporate Place Suite 250 Monterey Park, CA Attn: Nationwide Box IL, IN, MI, OH, TN Nationwide Insurance P.O. Box Cincinnati, OH US Bank Remitco 2525 Corporate Place Suite 250 Monterey Park, CA Attn: Nationwide Box AZ, CA, CO, ID, IA, KS, MN, MO, MT, NE, NM, NV, ND, OR, SD, TX, UT, WA, WI, WY Nationwide Insurance P.O. Box City of Industry, CA Wells Fargo Remitco 2525 Corporate Place Suite 250 Monterey Park, CA Attn: Nationwide Box 60068
42 Questions? Thank you for attending! Support This is for conversion related issues only Telephone # FlextoBA@nationwide.com
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