This guide helps insurers comply with state regulatory requirements regarding annual audited financial reports and related correspondence. Provide updated information (name, address, telephone number and e-mail address) within 60 days of any change in CPA. Data Elements Include: DUNS Number, Corporate and Tradestyle Name, Annual Sales, Number of Employees, Street Address, Phone Number, Top Contact, NAICS and SIC Codes and Descriptions, Lat Long and More. Representatives from diverse groups who provide varied perspectives on insurance regulatory issues. FAQ (Frequently Asked Questions) - Contains both technical and definitional information not located in the other Help documents (Located just under the MCAS "Log In" icon) You will find answers to questions regarding: Market Conduct Contact, MCAS Administrator, and MCAS Contact, Participating Jurisdictions Contacts and Scorecards Provides state MCAS contact information and links to scorecard reports produced each year to show jurisdiction-wide ratio calculations and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. **If Form Source is NAIC, the form should be obtained from the appropriate vendor. All Department of Financial Services filings must be physically received at the appropriate address as indicated in NOTE B no later than the indicated due date. Developments and trends in financial markets and insurer investments. MCAS - The Market Conduct Annual Statement, MCAS 2021 - Market Conduct Annual Statement | NAIC, System for Electronic Rates and Forms Filings, Market Regulation and Consumer Affairs (D), Financial Regulation Standards and Accreditation (F), Innovation, Cybersecurity, and Technology (H), Market Conduct Annual Statement Blanks (D), Risk-Based Capital Investment Risk and Evaluation (E), Last day to submit 2020 corrections (See FAQ Document), 2021 filings may be submitted via the online MCAS filing tool, MCAS submissions due for all lines of business, MCAS industry scorecards posted to MCAS Web page for all lines of business, MCAS industry scorecards posted to MCAS Web page for Health, Participation Requirements Detailed information to assist in determining if your company is required to submit MCAS data, Data Collection Worksheets (Blanks) Table layout representation of the required data elements, Data Call and Definitions (Instructions) Listing of MCAS data elements and definitions to follow when preparing data for submission, MCAS User Guide Information about how to use the MCAS application and a listing of data validations used within the application, CSV Data Upload Instructions Layout guidelines for preparing a CSV file for uploading to the MCAS application (The use of a CSV file is not required. The Synopsis is a brief, handy overview of the activity at each NAIC national meeting. Comparative reports include a variety of information - including number of departmental staff, annual budgets, revenues collected, premium volume, number of insurers and producers, and number of consumer complaints filed. Access forms, tools, and resources for individuals and organizations to file forms, improve efficiency, and remain compliant. Property Bureau 4th Floor Provides average costs associated with personal automobile insurance nationwide. The Life and Fraternal reports contain the top 125 groups by state and countrywide for life insurance, annuity considerations and total premiums written. Complete the financial statements using software from an approved vendor. What do documents on this Web page tell me? NAIC SUPPLEMENTS Capital Markets Bureau 7th Floor XXX appears in the Number of Copies Foreign column for the appropriate schedules and exhibits. Appendix C - RRG State Insurance Department Contacts, Risk-Based Capital Forecasting and Instructions, RBCH-OSS-2022, RBCL-OSS-2022, RBCP-OSS-2022, The RBC Forecasting and Instructions provides continual analysis of RBC data and includes forecasting software, overview and instructions, and newsletter. AUDIT/INTERNAL CONTROL RELATED REPORTS, Audited Financial Reports Exemption Affidavit, Communication of Internal Control Related Matters Noted in WebAttn! Exclusive, industry-focused manuals, data, and more. This subscription service provides access to the published version of the handbook, and Market Regulation Handbook Reference Documents will be available in Account Manager. *****An ORSA Summary Report is required to be filed annually by a New York domestic insurer that meets a specified premium threshold and/or where the New York domestic insurer is a member of a group that meets a specified premium threshold. The decision of whether to purchase cancer insurance can be a challenging one. Updated annually. Internet Filing will be available starting February 6, 2023 for submission of the 2022 Annual Financial Statement Filings and conclude on January 31, 2024. Online Subscription This publication contributes to the goal of providing state insurance departments with an integrated approach to screening and analyzing the financial condition of insurance companies by explaining ratio calculations and providing worksheets and benchmarks that are part of the NAIC's IRIS. Browse our timeline to learn how we support insurance regulators in their mission to protect consumers and ensure fair and healthy insurance markets. This waiver could include supplemental annual statement filings. Companies should file ONLY ONE COMPANY per package. You are required to file ONLY ONE HARD COPY of the 2021 ANNUAL FILING. Please refer to the Departments guidance for electronic signatures, transactions and filings. New York, NY 10004 Do NOT mail to Albany. We are providing for your use the LIFE Annual Statement Checklist & Instructions. Consumer Insurance Search. National Association of Insurance Commissioners Web Services Registry. Puerto Rico will begin collecting MCAS filings beginning with the 2022 data to be reported on the filing due dates in 2023. It also includes summaries of interim meetings, task force updates, progress reports, issue debates and new business discussions. Data displayed for easy reference and comparison. If the due date falls on a weekend or a legal holiday, then the filing must be received by the Department by the end of the next business day. The Statistical Compilation provides aggregate annual statement data for property/casualty, life/health insurance companies, all HMOs and companies that write accident and health insurance and file annual statements with the NAIC. Uniform Certificate of Authority Application (UCAA) Instructions. Stop.Call.Confirm is a registered service markof the National Association of Insurance Commissioners. If this column contains Company, the company, or its representative (e.g., its CPA firm), is expected to provide the form based upon the appropriate state instructions or the NAIC Annual Statement Instructions. Risk Retention and Purchasing Group Handbook. Our three-year blueprint for the future shows the way toward building on existing strengths. A summaryof these changes can be found in the Summary of 2021 Changesdocument. National Insurance Producer Registry. 2022 Annual Statement Blanks Health Online Bookshelf Version, 2022 Annual Statement Life/Fraternal Online Bookshelf Version, 2022 Annual Statement Property/Casualty Online Bookshelf Version, 2022 Annual Statement Title Online Bookshelf Version, 2022 Annual Statement Blanks Separate Online Bookshelf Version. Webthe naic has made no warranty or promise, either express or implied, including but not limited to the implied warranty of merchantability and fitness for a particular purpose. Buyers Guide to Fixed Deferred Annuities, Understanding Life Settlements: Selling Your Life Insurance Policy. The white paper also highlights legal restrictions that may prohibit home-sharing in some areas and describes the type of coverage available by the largest home-sharing companies currently operating in the U.S. IRIS Ratios Manual is also part of the Financial Analysis Solvency Tools (FAST). The Manual includes all statutory accounting guidance that has been adopted by the NAIC as of March. Life/Fraternal Annual This serves to assist in preventing insolvencies for which liability is imposed on insurers under state guaranty fund laws. Property Bureau 4th Floor The NAIC provides expertise, data, and analysis for insurance commissioners to effectively regulate the insurance industry and protect consumers. You need not file reports marked "None". Access forms, tools, and resources for individuals and organizations to file forms, improve efficiency, and remain compliant. Access to every published model law, regulation, and guideline. Find contact information for insurance departments and local insurance agents, or file a complaint. Also shows estimated underwriting profits and operating profits, as well as estimated federal taxes. Mr. Gilbert Denton, Senior Insurance Examiner This handbook is updated annually. File electronically through the Departments Cybersecurity Portal. The Accounting Practices and Procedures Manual presents a comprehensive basis of accounting that should be followed if not in conflict with state statutes and/or regulations. This includes all detail investment schedules and other supplements for which the Annual Statement Instructions exempt printed detail. Regulatory Review of Predictive Models White Paper. Derived from the NAIC Accident and Health Policy Experience Exhibit, the report includes aggregated data from the exhibit in the P&C, health, life and fraternal blanks; extensive breakouts of market share data; company index; and important statistics - such as loss ratios, number of policies and certificates, and number of covered lives. First developed and released in 1997 by the NAIC Financial Analysis Handbook (E) Working Group, the purpose of this Handbook is to: 1) provide a uniform risk-focused analysis approach to more accurately identify insurers and/or holding company systems experiencing financial problems; and 2) identify prospective risks that pose the greatest potential for developing financial problems. Only accepted in accordance with the Divided into three sections - Annual. Copyright 2023 State of Indiana - All rights reserved. 2021 NAIC QUARTERLY STATEMENT INSTRUCTIONS TITLE. New York, NY 10004 The guide includes an overview of long-term care insurance, as well as payment and purchasing options, worksheets, shopping tips and the various policy and benefit plans available. The question of which aspects of state laws have been preempted by the LRRA and which have not is the overall issue that has given rise to many of the other issues. The Insurance Department Resources Report provides key statistics on the resources and regulatory activities of the 56 NAIC-member jurisdictions. For more information, please refer to Regulation 203 (11 NYCRR 82) on the NYCRR. The Supplemental Electronic Filing includes all supplements due April 1, per the Annual Statement Instructions. (212) 709-1562, Actuarial Opinion Summary should be sent electronically via e-mail to:[emailprotected], CD (See Note N): Companies that file with the NAIC via the Internet are not required to submit diskettes to the NAIC. Updated annually. Instructions for the 2021 MLR Reporting Year . Some states have chosen to waive printed quarterly and annual statements from their foreign insurers and to rely upon the NAIC database for these filings. Access to every published model law, regulation, and guideline. E-mail: [emailprotected] The Accident & Health reports contain the top 125 groups by state and countrywide for total A&H premiums written. Revision:. LIFE, ACCIDENT AND HEALTH/FRATERNAL INSURERS 1.1 Printed Investment Schedule detail (Pages E01-E29) 1+CD EO xxx 3/1 NAIC 2 Quarterly Financial Statement (8 x 14) 1+CD EO xxx 5/15, 8/15, 11/15 NAIC L, V NOTES AND INSTRUCTIONS (A-K The issues brought forth in this publication may also be useful when considering the purchase of other disease-specific insurance policies. The Quarterly Statement .PDF Filing is the .pdf file for quarterly statement data. INDIANA INSTRUCTIONS . Don't have an MCAS login?Click Here to get it. The development of the multistate actuarial (MSA) rate review process as outlined in the MSA Framework document which outlines a consistent national approach for reviewing LTCI rates that results in actuarially appropriate increases being granted by the states in a timely manner and eliminates cross-state rate subsidization. Select a state or jurisdiction for insurance department contact information. If there is nothing to report, you may complete the NAIC Annual Statement page entitled "Supplemental Exhibits and Schedules Interrogatories" INSTEAD OF filing reports marked "None". If N/A appears in this column, the filing is required with the domiciliary state. System for Electronic Rates and Forms Filings, Market Regulation and Consumer Affairs (D), Financial Regulation Standards and Accreditation (F), Innovation, Cybersecurity, and Technology (H), Market Conduct Annual Statement Blanks (D), Risk-Based Capital Investment Risk and Evaluation (E), https://content.naic.org/state_licensing_handbook.htm. Control Over Financial Reporting, Report of Significant Deficiencies in Internal Controls, Filings Checklist (with Column 1 completed), Corporation Franchise Tax to Dept. Hard copy filings of the signed notarized New York Supplement jurat page should be directed to: All parts of the Annual Statement except those schedules identified as N/A on the checklist and all parts of the New York Supplement must be accounted for. of Taxation (copy to Publication explains situations in which having homeowners' insurance may be mandatory, details the basic coverage options available to consumers and answers the most common questions associated with this offering. WebSearch our Database of over 19 million US Business Listings. Companies may use the checklist to submit to a state, if the state requests it. You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a RTF indicator on your filing matrix. *If XXX appears in this column, this state does not require this filing, if hard/electronic copy is filed with the state of domicile and if the data is filed electronically with the NAIC. 2022 Market Regulation Digital Subscription, Market Regulation Handbook - Examination Standards Summary. The Quarterly Statement Electronic Filing includes the complete quarterly statement data. New York State Department of Financial Services PLEASE DO NOT FILE ITEMS NOT SPECIFICALLY REQUIRED. Copyright 2016. Autoinsurance is an expensive purchase for most Americans and shopping for it can be confusing. Albany NY 12212-5181, Also mail a copy to: KANSAS CITY, Mo., Jan. 18, 2023 /PRNewswire/ -- The National Association of Insurance Commissioners (NAIC) has named its 2023 committee chairs and vice chairs. REQUIRED FILINGS IN THE STATE OF: WEST VIRGINIA 2023 2021 National Association of Insurance Commissioners HEALTH ENTITIES Company Name: NAIC Company Code: Contact: Telephone: REQUIRED FILINGS IN THE STATE OF: WEST VIRGINIAFilings Made During the Year: 2023 (1) Check- list (2) Line If you know you have relevant business to report, it must be reported whether or not you see a RTF indicator. Key 2021 MCAS Dates; December 15, 2021: Call letters to companies: January 21, 2022: Last day to submit 2020 corrections (See FAQ Document) February - March, 2022: MCAS training Includes references to NAIC product filing tools and instructions. WebThe Largest Network of Diverse-Owned Private Equity Firms and Hedge Funds. A listing of the top 10 companies by state by direct premiums earned is also included in this report. For each line and each state, this publication presents aggregate statistics on premiums, losses, expenses, investment income and estimated profits for the preceding calendar year. Further, extensions for the filing of audited financial statements are only provided upon written application by the insurer to the superintendent, and such extension is only granted if the superintendent finds that compliance would constitute a financial or organizational hardship, as provided in Section 307(b)(3) of the Insurance Law. The current instructions are printed in loose-leaf, three-hole drilled format, and are shipped with tabs. DEC 2020. To follow the Market Conduct Annual Statement Blanks (D) Working Group and their discussions related to the content of MCAS lines of business, visit their webpage:/cmte_d_mcaswg.htm. While cancer treatment accounts for 10 percent of all U.S. health expenses, the policy will only provide benefit if one is afflicted with the disease. (b) (1) Every property and casualty insurance company domiciled in this state that is required to submit a statement of actuarial opinion shall annually submit an actuarial opinion summary, written by the company's appointed actuary. Local calls can be made to (212) 480-6400 or (518) 474-6600. 2022 December Detailed Listings of Companies. Office of Financial Management The UCAA Instructions are designed to assist companies in filing a primary application, an expansion application or corporate amendment to the certificate of authority. The 2023 NAIC committee leadership assignments are as follows. The publication provides demographic and insurer/syndicate contact information. Instructions provide guidance for completing the various pages of the statements when the line descriptions are not self-explanatory. Our three-year blueprint for the future shows the way toward building on existing strengths. If your company only has hybrid-LTC business in a state, you will not see a RTF indicator. Quarterly and Annual Submission of Free Trade Zone Reports, Accessibility & Reasonable Accommodations. If your company writes business in Puerto Rico for any of the MCAS lines of business, you will be expected to report your Puerto Rico data using the MCAS submission tool just as you do for the other participating jurisdictions. This report provides industrywide data for more than 500 individual insurers. The ORSA Summary Report is a state filing only and should not be submitted by the company to the NAIC. Chapters discuss takeover and administration; data processing; accounting and financial analysis; investigation and asset recovery; claims; guaranty funds; reinsurance; special receiverships; and legal considerations. Updated annually. ClickHEREto access the following resources maintained by the Blanks (E) Working Group: Additional NAIC Accounting and Reporting Resources: File Annual & Quarterly financial statements online Accident and Health Policy Experience Report. ANNUAL STATEMENT FOR THE YEAR 2020 OF THE SEPARATE ACCOUNTS OF THE 19942020 National Association of Insurance Commissioners SA3 not be submitted by the company to the NAIC. This column contains one of three words: NAIC, State, or Company, If this column contains NAIC, the company must obtain the forms from the appropriate vendor. The Market Regulation Handbook is offered as a digital-only publication via an online subscription service (OSS). Form 4 tracks life insurance and annuity products that have long-term care benefits provided by acceleration of certain benefits within these products. State NAIC State I. NAIC FINANCIAL STATEMENTS 1 Annual Statement (8 x 14) 2 EO xxx 3/1 NAIC A-O 1.1 Printed Investment Schedule detail (Pages E01-E29 ) 2 EO xxx 3/1 NAIC A We provide tools and resources to help regulators set standards and best practices, provide regulatory support functions, and educate on U.S. state-based insurance regulation. Send the signed jurat page to: Shannon OShea, Tax Analyst Financial Regulation Section Division of Financial Regulation Mailing address: Statistical Handbook of Data Available to Regulators. Access forms and tools to file expense reports, review Grant and Zone Scholarship balances, and access NAIC travel guidelines. Updated annually. For more information, please access :https://content.naic.org/state_licensing_handbook.htm, States' Prescribed Differences from NAIC Statutory Accounting Principles. The RBC Forecasting and Instructions explains the RBC formula, which should be helpful to anyone responsible for submitting data. One State Street Updated annually. The Valuation Manual sets forth the minimum reserve and related requirements for jurisdictions where the Standard Valuation Law, as amended by the National Association of Insurance Commissioners (NAIC) in 2009, or legislation including substantially similar terms and provisions has been enacted by jurisdictions, and this Valuation Manual (VM) is operative. (212) 480-4669 Published semiannually. The Blanks (E) Task Force modified the 1999 Annual Statement Instructions to waive paper filings of certain NAIC supplements and certain investment schedule detail, if such investment schedule data is available to the states via the NAIC database. Life Insurance Policy Locator. Financial Statement Filing & Step Through Guide, System for Electronic Rates and Forms Filings, Market Regulation and Consumer Affairs (D), Financial Regulation Standards and Accreditation (F), Innovation, Cybersecurity, and Technology (H), Market Conduct Annual Statement Blanks (D), Risk-Based Capital Investment Risk and Evaluation (E), Purposes and Procedures Manual of the NAIC Investment Analysis Office, Capital Adequacy (E) Task Force (Risk-Based Capital), Statutory Accounting Principles (SAP) (E) Working Group, Updates to the Accounting Practices & Procedures (AP&P) Manual, Financial Internet Filing Online User's Guide, industry-financial-filing-individual-remittance-advice.pdf, industry-financial-filing-combined-remittance-advice.pdf, industry-financial-filing-group-remittance-advice.pdf, 2022Annual 2023Quarterly Financial Statement Filing Deadlines, Annual, Quarterly, and Risk-Based Capital Approved Software Vendors, Formulas for Life, Health & Annuity Guaranty Association Assessable Premium Exhibit Part 2, Purposes & Procedures Manual of the NAIC Investment Analysis Office, Guide to Compliance with State Audit Requirements, Retaliation: A Guide to State Retaliatory Taxes, Fees, Deposits and Other Requirements, Risk-Based Capital (RBC) Forecasting Products, Statutory Accounting Principles (SAP) Self-Study Program, States' Prescribed Differences from NAIC Statutory Accounting Principles (SAP), Assistance with Annual and Quarterly Statement Completion, If your company does not have an NAIC Company code (sometimes called "NAIC Number" or "cocode"), obtain one by completing the. Access forms and tools to file expense reports, review Grant and Zone Scholarship balances, and access NAIC travel guidelines. REQUIRED FILINGS IN THE STATE OF: NEW YORK, Printed Investment Schedule detail (Pages E01-E29), Quarterly Financial Statement (8 x 14), Combined Annual Statement (8 x 14), Accident & Health Policy Experience Exhibit, Cybersecurity and Identity Theft Insurance Coverage Posted semiannually. The National Association of Insurance Commissioners serves to protect public interest, promote competitive markets, and improve state regulation of insurance. New York State Department of Financial Services NYS Corporation Tax Fall Release 2022- The publication is now available as a PDF via an online subscription service (OSS) through Account Manager. Thisguidebriefly discuses key questions regarding cancer insurance and advises on the variation in cost and coverage of policies sold. Contains a summary of market distribution and average cost by policy form and amounts of insurance-specific information for each state regarding number of homeowners policies written, amount of insurance and average premiums. Visit our Library to access archived publications. SEE NOTE REGARDING COVID 19 PANDEMIC SPECIAL INSTRUCTIONS Page 1 of 6 (1) Check-list (2) Line # (3) (5) DUE DATE (6) APPLICABLE NOTES Domestic Foreign /Alien Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. Also, you must complete the New York Supplement page entitled "Supplemental Exhibits and Schedules Interrogatories" if there is nothing to report for those New York Supplement, exhibits or schedules. Settings, Start voice
The Supplemental .PDF Filing is the .pdf file for all supplemental schedules and exhibits due April 1. Find contact information for insurance departments and local insurance agents, or file a complaint. It also contains earned premiums, incurred losses, earned exposures and number of claims for both voluntary and residual market business. Based on the Long-Term Care Insurance Experience Reporting Forms for the annual statement filed with the NAIC, this publication helps regulators monitor and provide data specific to this coverage. Contains the NAIC's credit assessment methodologies and valuation policies, and takes precedence over other publications covering a number of categories. This directory is a comprehensive listing of accountants, actuaries, investment managers, lawyers, reinsurance specialists and general consultants who can help insurance departments administer receiverships. Helps consumers understand what earthquake policies cover and how they work. View actions considered by committees, task forces, and subgroups, as well as charges, schedules, and staff links. Directory of Receivership and Run-off Resources (666), Directory of Receivership & Run-off Resources, Dwelling, Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance. Modifications to the handbook will be uploaded to the OSS platform as they become available following each interim and national meeting of the Market Regulation and Consumer Affairs (D) Committee. Webthe committee on property and liability financial reporting's practice note on statements of actuarial opinion on p/c loss reserves (2021), including discussion regarding changes in the naic annual statement instructionsproperty/casualty (naic annual statement instructions) regarding the actuarial opinion, the actuarial opinion summary, and Complete with a listing of state laws governing the industry, theguideis a best bet for those looking to make informed decisions aboutautoinsurance and get the most for their money. Includes a summary of changes to the instructions for the annual statement. Reporting Exception Asbestos and Pollution Contracts, Combined Annual Statement Electronic Filing, IV. Updated annually. This subscription service provides access to the published version of the handbook, and updates to the publication will be available in Account Manager. It also serves several other regulatory information needs, such as mandated: experience analysis for particular lines or sublines for individual companies and groups; general market structure and performance analysis; and statistics by company, groups or the industry as a whole. Pricing Per User, 2022 Accounting Practices and Procedures Manual Online Subscription, ASBH-OSS-2022, ASBL-OSS-2022, ASBP-OSS-2022, ASBT-OSS-2022, ASBS-OSS-2022. Access technology tools and resources for U.S. insurance regulators. The NAIC Financial Data Repository (Database) is updated every year by the National Association of Insurance Commissioners (NAIC) on behalf of and at the direction of its This directory contains a complete listing of the 56 insurance departments that are members of the NAIC. QSBH-OSS-2023, QSBP-OSS-2023, QSBL-OSS-2023, QSBT-OSS-2023. Designed to serve as a compilation of the market conduct examination standards found in Chapters 20 - 32 of the Market Regulation Handbook. Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life. PAGE 41: NOTES TO FINANCIAL STATEMENTS. input, See a list of licensed insurance companies, See what enforcement actions IDOI has taken, File financial information for my insurance company, Enroll for the Municipality Set-Aside Program, File a Patient's Compensation Fund Certificate of Insurance, Residential Real Estate Acquisition of Licensee Information and Numbers "RREAL IN" Database, Accounting Practices & Procedures Manual Update: May 2021, Accounting Practices & Procedures Manual Update: August 2021, Financial Regulation Standards and Accreditation Program Manual, Uniform Application for Individual Producer License/Registration, Uniform Application for Business Entity Adjuster License/Registration, Uniform Application for Individual Adjuster or Apprentice License/Registration, Uniform Application for Third Party Administrator License, Uniform Application for Business Entity License Renewal/Continuation, Purposes and Procedures Manual of the NAIC Investment Analysis Office, Spring 2021: E Committee Technical Updates, Summer 2021: E Committee Technical Updates, Report
1991-2023 National Association of Insurance Commissioners. It makes information that impacts the price of auto insurance in each state readily available to insurance regulators monitoring the market and to the public. New York State Department Financial Services fileslib. The Market Conduct Annual Statement Blanks (D) Working Group(MCAS Blanks WG)is responsible for the MCAS content and defining the data that is collected. Participation in the Database provides essential data for the Insurance Regulatory Information System (IRIS) Financial Ratio Reports, risk-based capital analysis, and other solvency-related reviews of individual companies, including reporting compliance and financial analysis. The Retaliation Guide offers a complete listing of each state's retaliatory tax rates resulting from companies selling insurance products across state lines. This includes all detail investment If you are unable to find the answer to your insurance question here, check our FAQs.If you have a question or need assistance, call (800) 342-3736 (M-F, 8:30 AM to 4:30 PM).