GET ANSWERS. NOW.
Frequently Asked Questions
GENERAL (7)
What is Woligo’s address?
9000 Cameron Parkway Oklahoma City, OK 73114
How do I contact Woligo?
For general inquiries and support:
- Email: support@woligonow.com
- Phone number: 888-633-5229
- Phone Tree Menu Options:
- Press 1 for Health Insurance
- Press 2 for Personal Insurance (Disability, Accident or Discount Plans)
- Press 3 for Business Insurance
- Press 4 for Banking
- Press 5 to Hear Options Again
- Phone Tree Menu Options:
What are Woligo’s hours of operation?
Woligo’s business hours are 8 am to 5 pm CST Monday through Friday except for holidays.
What is Woligo’s Privacy Policy?
Woligo’s privacy policy can be found here.
What are Woligo’s website terms of use?
Woligo’s terms of use (aka terms and conditions) can be found here.
What insurance and solutions does Woligo offer?
Woligo offers the following insurance and solutions:
- Personal Insurance: Disability and Accident Insurance
- Medical Insurance: Individual or Small Group Health Insurance
- Discount Plans: Well-Being and Safeguard Plans
- Business Insurance: General Liability, Business Owners, Commercial Property, Professional Liability, Workers’ Compensation, Business Auto, Cyber and many more Business Insurance plans
- Banking and Retirement Solutions: Personal Checking, Business Checking, Individual Retirement Accounts, and Health Savings Accounts
Learn more here
What is Woligo?
Woligo (WŌ-luh-go = Work-Life-Go) provides insurance, benefits, and solutions to small business owners and independent workers. Woligo is part of the Cameron Group of companies that provide health, human resources, and financial security solutions to help our customers meet their goals. Learn more here.
GLOSSARY (14)
What is an accidental death benefit?
The term accidental death benefit refers to a payment due to the beneficiary of an accidental death insurance policy, which is often a clause or rider connected to a life insurance policy.
What is an additional insured?
With insurance policies, an additional insured is a person or organization that enjoys the benefits of being insured under an insurance policy, in addition to whoever originally purchased the insurance policy.
What is a certificate of insurance?
A certificate of insurance (COI) is a statement of coverage issued by the company that insures your business. Usually no more than one page, a COI provides a summary of your business coverage. It serves as verification that your business is insured. Potential clients may request a COI as a condition of doing business with you.
What is a claim?
An insurance claim is a formal request by a policyholder to an insurance company for coverage or compensation for a covered loss or policy event. The insurance company validates the claim and, if approved, issues payment to the insured or an approved interested party on behalf of the insured.
What is a declaration page?
The page (or pages) of a policy that specifies the named insured, address, policy period, location of premises, policy limits, and other key information that varies from insured to insured. The declarations page is also known as the information page.
What is a deductible?
In an insurance policy, the deductible is the amount paid out of pocket by the policyholder before an insurance provider will pay any expenses.
What is an exclusion?
An exclusion is any specified loss or damage that isn’t covered by the insured’s policy.
What is an insurance policy?
An insurance policy is a contract between the insurer and the policyholder, which determines the claims which the insurer is legally required to pay.
What is an insurance premium?
An insurance premium is the amount of money an individual or business pays for an insurance policy.
What does insured mean?
A person or organization covered by insurance.
What does insurer mean?
An individual or company who, through a contractual agreement, undertakes to compensate specified losses, liability, or damages incurred by another individual. An insurer is frequently an insurance company and is also known as an underwriter.
What is a policy lapse?
When all benefits to the policyholder cease and the policy is terminated due to non-payment of premium amount on the due date or even after the grace period. However, a lapsed policy may be revived by fulfilling the terms and conditions as per the policy statement.
What is primary insured?
A person who fills out and signs a request for insurance coverage is usually referred to as the primary insured or applicant. This person is generally the intended policyowner and is listed as applicant after a policy is issued.
What is underwriting?
Underwriting is the process through which an individual or institution takes on financial risk for a fee.
PROFESSIONS (13)
What solutions does Woligo offer for Accounting and Finance professionals?
Woligo offers several curated solutions for accountants, loan officers, auditors, financial managers and more. Learn more about our accounting and finance solutions here.
Does Woligo offer solutions for architecture and design professionals?
Woligo offers several solutions for freelance architects and designers. Learn more here.
Does Woligo offer solutions for construction and special trades professionals?
Woligo offers several solutions for customized for electricians, construction managers, extraction workers, plumbers, and other workers in the construction field. Learn more here.
Does Woligo offer solutions for consultants?
Woligo offers several solutions curated for independent consultants and small consulting firms. Learn more here.
Does Woligo offer solutions for engineering and science professionals?
Woligo offers several solutions for civil, mechanical, electrical engineers, as well as, environmental and biological scientists, plus many other fields in the engineering and science profession. Learn more here.
Does Woligo offer solutions for healthcare and medical research professionals?
Woligo offers several solutions for nurses, physicians, therapists, dentists, plus many other fields in the healthcare and medical research profession. Learn more here.
Does Woligo offer solutions for information technology professionals?
Woligo offers several solutions that are designed for computer engineers, network engineers, data analysts, IT workers, data scientists, software developers, and many more information technology professions. Learn more here.
Does Woligo offer solutions for professionals in the legal field?
Woligo offers several solutions that are created for attorneys, small legal firms, paralegals, notaries, and many more information legal professions. Learn more here.
Does Woligo offer solutions for manufacturing and logistics professionals?
Woligo offers several solutions that are created for wholesale, industrial, and distribution professionals. Learn more here.
Does Woligo offer solutions for marketing and management professionals?
Woligo offers several solutions for self-employed management analysts, marketing specialists, general managers, and many others in administration and marketing related fields. Learn more here.
Does Woligo offer solutions for publishing and media professionals?
Woligo offers several solutions that are customized for graphic designers, actors, producers, writers, bloggers, social media influencers, and more. Learn more here.
Does Woligo offer solutions for real estate professionals?
Woligo offers several solutions that are customized for property managers, real estate brokers, agents and more. Learn more here.
Does Woligo offer solutions for small business owners?
Yes! Woligo is here for small business owners by offering the solutions to support your work and life. Learn more here.
QUESTIONS ABOUT MY ACCOUNT (1)
How do I update my profile information?
You will be able to update your Woligo account details after logging in.
- First, log in by entering your email address and password.
- Then click on your username in the upper right hand corner of the browser window.
- The first available menu option is My Account, where you can update most of your contact details.
- To update your email address, please email support@woligonow.com with your name, your old email address, and your new email address. Our security team will verify it is you, then will update your email address for you.
QUESTIONS ABOUT MY POLICIES (6)
Who do I contact if I have questions about my bill or premium payments?
- For Accident Insurance claims, billing or policy questions contact Manhattan Life – Email: cservice@ManhattanLife.com; Phone: 800-669-9030
- For Business Insurance claims, billing, or policy questions contact INSURICA— Email: service@insuricaexpress.com; Phone: 405-310-1583
- For Disability Insurance claims, billing, or policy questions contact Assurity Life – Email: claimsinfo@assurity.com; Phone: 800-869-0355 Ext. 4484
- For Medical Insurance claims, billing or policy questions contact BrokerSource – Email: admin@broker-source.com; Phone: 888-633-5229
- For the Well-Being or Safeguard Discount Plans – Please login to https://mybenefitswork.com OR install the My Benefits Work mobile app from the Apple Store or Google Play
How do I contact a carrier, submit a claim or ask questions about my policy?
- For Accident Insurance claims, billing or policy questions contact Manhattan Life – Email: cservice@ManhattanLife.com; Phone: 800-669-9030
- For Business Insurance claims, billing, or policy questions contact INSURICA— Email: service@insuricaexpress.com; Phone: 405-310-1583
- For Disability Insurance claims, billing, or policy questions contact Assurity Life – Email: claimsinfo@assurity.com; Phone: 800-869-0355 Ext. 4484
- For Medical Insurance claims, billing or policy questions contact BrokerSource – Email: admin@broker-source.com; Phone: 888-633-5229
- For the Well-Being or Safeguard Discount Plans – Please login to https://mybenefitswork.com OR install the My Benefits Work mobile app from the Apple Store or Google Play
How do I submit a claim?
- For Accident Insurance claims, billing or policy questions contact Manhattan Life – Email: cservice@ManhattanLife.com; Phone: 800-669-9030
- For Business Insurance claims, billing, or policy questions contact INSURICA— Email: service@insuricaexpress.com; Phone: 405-310-1583
- For Disability Insurance claims, billing, or policy questions contact Assurity Life – Email: claimsinfo@assurity.com; Phone: 800-869-0355 Ext. 4484
- For Medical Insurance claims, billing or policy questions contact BrokerSource – Email: admin@broker-source.com; Phone: 888-633-5229, option 1
Does Woligo’s disability policy provide coverage for pregnancy or maternity leave?
No, Woligo’s disability policy does not provide pregnancy or maternity leave coverage.
What are the policy limitations and exclusions for Woligo’s disability policy?
Woligo’s disability policy limitations and exclusions can be found here.
Who do I contact if I need help, have questions, need to make changes or cancel my policy or benefits?
- For Accident Insurance claims, billing or policy questions contact Manhattan Life – Email: cservice@ManhattanLife.com; Phone: 800-669-9030
- For Business Insurance claims, billing, or policy questions contact INSURICA— Email: service@insuricaexpress.com; Phone: 405-310-1583
- For Disability Insurance claims, billing, or policy questions contact Assurity Life – Email: claimsinfo@assurity.com; Phone: 800-869-0355 Ext. 4484
- For Medical Insurance claims, billing or policy questions contact BrokerSource – Email: admin@broker-source.com; Phone: 888-633-5229, option 1
- For the Well-Being or Safeguard Discount Plans – Please login to https://mybenefitswork.com OR install the My Benefits Work mobile app from the Apple Store or Google Play
SOLUTIONS (34)
What is accident insurance?
Accident insurance is a type of insurance where the policy holder is paid directly in the event of an accident resulting in a covered injury of the insured. The insured can spend the benefit payment however they choose. Accident insurance is complementary to, not a replacement for, health insurance.
What is the difference between Accident and Disability Insurance?
Accident insurance is a type of financial product that pays out a lump sum if the insured incurs specific kinds of injury as a result of an accident. Disability insurance pays the insured benefits for each month they remain disabled and serves as income replacement while the insured is unable to work due to a disability.
Does Woligo provide banking and retirement solutions for small business owners?
Woligo offers personal checking, business checking, health savings accountings (HSAs), and individual investment accounts (IRAs). Learn more here.
What is Business Auto Insurance?
Business auto insurance, also known as commercial auto insurance, helps cover physical damage and liability for accidents that happen while driving a business-owned vehicle or using a vehicle for business purposes. Learn more here.
What is business insurance?
Business insurance policies are insurance policies that cover possible harm to property and can help protect business owners against things like lawsuits or contract disagreements. Woligo offers many types of business insurance policies like general liability, certificate of insurance (COI), business owner’s policies (BOP), commercial property insurance, professional liability insurance, workers’ compensation insurance, business auto insurance, cyber insurance, and many, many more types. Learn more here.
What is a Business Owner’s Policy?
A business owner’s policy (BOP) offers several insurance products rolled into one, generally targeted to small- and mid-size businesses. Business owners insurance typically includes property, business interruption, and liability insurance. Learn more here.
What is Commercial Property Insurance?
Commercial property insurance provides benefits to cover payable loss of income or revenue due to property loss. Learn more here.
What is Cyber Insurance?
Cyber insurance, also known as cyber liability insurance, covers your business in the event of a cyber-attack or data breach where customer information is impacted. Learn more here.
What is disability insurance?
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. Statistics show more than one in four 20-year-olds today will be unable to work due to an illness or injury for 1 year or more during their life before retirement. (US Social Security Administration, Fact Sheet, 2018) Learn more here.
What is a disability insurance policy benefit period?
The maximum timeframe benefits are payable for a given period of total disability—a longer benefit period will result in a higher cost of coverage, and vice versa.
What is a disability insurance policy elimination period?
The number of days one must be totally disabled before they become eligible for benefits—a longer elimination period lowers the cost of coverage, and vice versa.
How does disability insurance work?
- Suffer an illness or injury: You aren’t able to work for an extended period because you are totally disabled due to an illness or injury
- Submit a claim: Submit your claim to Assurity
- Get paid: Receive monthly benefits while disabled, after your policies elimination period, based on the benefit period you elect
While you’re recovering, you can use the money to help you cover regular monthly bills, like your mortgage, car payment, credit cards, groceries and other expenses. If you do return to work, but can’t do the same job because of your disability, you may still receive monthly benefits.
What is the Own Occupation Definition of Disability?
Woligo’s partner carrier, Assurity, defines a total disability for the first two years of the benefit period as the inability to work at the insured’s regular occupation at the time disability begins, even if the insured still might be able to work at another occupation.
What does total disability mean?
A sickness or injury is considered a total disability if it keeps you from doing all the substantial and material duties of your regular job and requires a physician’s care during the first two years of the benefit period. After the first two years, a sickness or injury is considered a total disability if it keeps you from doing any occupation and requires a physician’s care.
What is General Liability Insurance?
General liability is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises. Learn more here.
What is a Health Savings Account?
A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan. Learn more here.
What is an Individual Retirement Account?
An individual retirement account (IRA) allows individuals to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis. Learn more here.
What is Life Insurance?
With life insurance, essentially, in exchange for the insured’s premium payments, the insurance company will pay a lump sum known as a death benefit to the beneficiaries upon the death of the insured. The beneficiaries can use the money for whatever purpose they choose. Woligo will be offering life insurance to our customers soon!
What is group medical insurance?
A group health insurance plan, or group medical plan, is an insurance plan that provides healthcare coverage to employees of a business. Group medical insurance plans are one of the major benefits offered by many employers. Woligo’s team is ready to assist you find the right plan for your business. Learn more here.
What is individual medical insurance?
Individual health insurance is health coverage (or individual medical coverage) that you purchase on your own for yourself or you and your family instead of obtaining it through an employer-sponsored or government-run plan such as Medicare or Medicaid. Learn more here.
What is Medicare?
Woligo is happy to provide Medicare plans to eligible individuals. Individual usually become eligible for Medicare the first day of their birth month, the year they turn 65. An individual becoming eligible for Medicare has a window to shop their options 3 months prior to their 65th birthday and 3 months after with no penalty.
What is short term medical Insurance?
Short term health insurance (or short term medical insurance) is a temporary solution to health insurance, so you never have to be without it. Short term plans generally have lower premium prices and more limited coverage traditional health plans. Learn more here.
Are you interested in partnering with Woligo?
Please send your inquiries about partnership to partnernow@wolignow.com or call us at 405-531-9965.
What is Professional Liability Insurance?
Professional liability insurance is insurance that protects professionals such as accountants, lawyers, physicians and others against negligence and other claims initiated by their clients. Professionals who have expertise in a specific area require this type of insurance because general liability insurance policies do not offer protection against claims arising out of business or professional practices such as negligence, malpractice, or misrepresentation. Learn more here.
What is a Safeguard Discount Plan?
A Safeguard Discount Plan lets you access group benefits to support your lifestyle. It is not insurance. It is a discount and savings program for benefits, such as credit monitoring, global travel assistance, roadside assistance, legal services, and financial services. The benefits are available to the members of the program, their spouses, and their legal dependents. Learn more here.
What are financial wellness services?
Financial wellness services are one of many benefits that come with Woligo’s Safeguard Discount Program. Learn more here.
What is Global Travel Assistance?
Global Travel Assistance is one of many benefits that come with Woligo’s Safeguard Discount Plan. Learn more here.
What is Identity Theft Protection?
ID Protection helps people protect their personal information, such as usernames, passwords, and credit card numbers by alerting them of breached online services and by giving them specific instructions on how to recover from the challenge with minimum damage. Woligo offers ID Protection, aka our ID Sanctuary Plan, as part of our Safeguard Discount Plan. Learn more here.
What are Legal Access Services?
Legal Access Services is one of many benefits that come with Woligo’s Safeguard Discount Program. Learn more here.
What is Roadside Assistance?
Roadside assistance is one of many benefits that come with Woligo’s Safeguard Discount Program. Learn more here.
What solutions does Woligo offer?
Woligo offers personal insurance (i.e., disability insurance, accident insurance, discount plans), business insurance, health insurance and banking & retirement solutions. Learn more about our products here.
What solutions is Telehealth?
Telehealth is the use of communications technologies to provide health care from a distance. These technologies may include computers, cameras, videoconferencing, the Internet, and satellite and wireless communications. Woligo offers Telehealth as part of our Well-Being Discount Plan. Learn more here.
What is a Well-Being Discount Plan?
Woligo’s Well-Being Discount Plan provides members with discounts on medical services. It is not insurance. Members use their membership card to redeem discounts included on the plan, such as telehealth, Teladoc mental health and dermatology, dental discounts, vision discounts, and retail and mail-order pharmacy discounts. Learn more here.
What is Workers’ Compensation Insurance?
Workers’ compensation insurance is a type of business insurance that provides benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time and more. Learn more here.
BUSINESS INSURANCE
for self-employed workers, independent contractors & small business owners