hello my name is vic schumacher. the companyis hpe financial services. the topic we're going to discuss today is coordination ofbenefits and how to understand that. what that really comes down to is a working ofa primary carrier and a secondary carrier. the coordination of benefits rule appliesonly to group plot plans, it does not apply to an individual plan that someone might have.so if something happens and you have to use the policy, the carrier or carriers will sitdown with the employer and they will decide who's going to be the primary and who's goingto be the secondary. who's going to cover what benefits and who's going to cover whatbenefits on the other side and what percentages they will cover. all you have to do is goto your employer, explain what you're about
to do and the coordination of benefits willwork within the individual policies themselves. the insurance companies will take care ofthe problem; you don't have to worry about it. my name is vic schumacher; the companyis hpe financial services, helping people everyday.