Frequently Asked Questions

How can I reach a live representative?

You can reach out to MyBizBen Customer Care by calling us toll-free at 855-301-MBB1 (6221) or via email customercare@mybizben.com. Our associates will be happy to assist you!

What payment types are accepted on MyBizBen.com?

Payments at MyBizBEN.com can be made with a credit card. We accept VISA, MasterCard and Discover. We will also accept VISA, MasterCard, and Discover endorsed debit and prepaid cards.

What is Occupational Accident Insurance?

MyBizBen.com offers individuals the opportunity to purchase Occupational Accident insurance at affordable group rates. This Occupational Accident insurance, marketed and administered through Arthur J. Gallagher Risk Management Services/Gallagher Transportation Services, provides both medical and disability benefits in the event you are injured in an occupational accident. As an added benefit, these policies also include off the job medical and accidental death and dismemberment benefits. After answering a few basic questions you’ll be able to choose from various coverage limits that best suit your needs and budget. Currently, the Occupational Accident Insurance is available for individuals working in the delivery /courier, livery, and cable industries. Due to constraints imposed by the underwriter, other industries are not eligible. If the work you perform is not listed above, call MyBizBen Customer Service to see if we would be able to provide coverage. (This is NOT Worker’s Compensation, Health Insurance or Liability Insurance. Please be aware that coverage is only available for individuals between ages of 18 and 75 except truckers that are between 21 and 75 years of age. Preexisting conditions are not covered under this policy. Benefits subject to all policy terms, conditions, and exclusions in the policy).

Once I purchase an insurance product when will my coverage be effective?

This depends on which product you purchase and the date of your purchase. Occupational Accident and Cargo Insurance will be effective the day after you purchase these products. The Dental and Vision product will be on the first of the following month.

What proof will be provided that I have Occupational Accident coverage?

Once MyBizBen validates the initial payment, you will receive an email with a certificate of Insurance to show proof of Occupational Accident Insurance coverage. Certificate(s) will usually be emailed within 1-2 business days of purchase. If needed, you can obtain a certificate of insurance listing a contracting company you are doing business with as a certificate holder. Certificate holders may be notified if there is any lapse in coverage. You will be able to request additional certificates from Arthur J. Gallagher Risk Management Services, Inc. and specify Certificate Holders when you log into My Account after the product is purchased.

How do I request an Occupational Accident Certificate of Insurance for additional holders?

After completion of the check out process where Occupational Accident coverage was purchased, an insurance certificate would have been emailed to you listing yourself as the Certificate Holder. In order to request additional certificates you will need to log into My Account. Under My Products select your Occupational Accident coverage. There will be a link to “Request Certificate”

Where can I find the Occupational Accident Insurance Policy wording and Schedule of Benefits?

You can sign into your account at any time and view the Policy Wording and Schedule of Benefits for the Occupational Accident Insurance under “My Products” then click on the “Occ Acc” link.

I have subcontractors working for me. How can they be covered under the Occupational Accident policy?

The subcontractors would follow the same process as any self-employed individual to purchase coverage for themselves.

How do I initiate an Occupational Accident claim?

  • You will need to initiate your claim within a 24 hour time frame by calling Claims Management Corp (CMC) at (800) 821-5401 Ext. 5204. If your injury prevents you from being able to file the claim before you are treated, seek immediate treatment.
  • *You must inform your claims handler at the time of claim if you have been advised that you will be, or already have been out of work for 7 or more days. Your claims handler will then include an additional form for the Disability portion of your claim. You will not receive this form as part of your claim packet without notifying the claims handler of your disability. Disability is only paid out on this policy if you have been out 7 or more days.
  • Up to 48 hours after the injury, go to any doctor or hospital without prior authorization from Gallagher.
  • *If being treated for an injury which occurred more than 48 hours ago you must receive prior authorization from Gallagher.
  • When asked by the facility at which you are being treated if you were on the job when this injury occurred, please notify them that you are covered under an occupational accident policy. Remember that this is not Worker’s Compensation, and that you are an Independent Contractor. If you advise that you are employed, or do not specify, the facility may begin the process of filing a Worker’s Compensation claim, this will stop your Occupational Accident Insurance claim from being processed.
  • Both you and your doctor must fill out the claim forms provided by Gallagher immediately after receipt to avoid delayed payment. Invoices for medical services rendered must be received by Gallagher no later than 90 days after the claim is filed to be paid.
  • Gallagher reviews and verifies all supplied information.

How is the Disability Benefit for Occupational Accident calculated?

Disability Benefits are based 75% of the Average Weekly Earnings as defined by the policy up to a maximum of $500 per week (a maximum of $600 per week for truckers $1 million limit).

What is Cargo insurance?

Cargo Insurance covers property of others that you are transporting. The My Biz Ben Cargo program also includes an extension to basic Cargo insurance by providing coverage to other property, not just your cargo, during pick up or delivery. If you scratch a floor, dent a wall, or cause damage to your customer’s property, you’re covered! There are various policy limits to choose from. All at low monthly rates!

Can I use multiple vehicles under the Cargo Insurance Policy?

The policy is vehicle specific. If you replace your vehicle the insurance company needs to be notified within 10 days. This can be done by logging into My Account and changing the vehicle information.

Why must I pay a Processing Fee in addition to the Dental and/or Vision price?

The pricing for the Dental and Vision products come straight from the market. The Processing Fee will cover administration expenses, as well as, credit card processing fees. This fee is charged on a monthly basis.

How does the Tax Preparation service work?

Once you have completed the check out process you will be able to log into My Account. Then under “My Products” select your tax preparation services, you will then have access to download and complete the Tax Organizer. Once you have completed the Tax Organizer you may fax to MyBizBen’s Tax Professional, along with copies of your other tax documents. A MyBizBen associate will contact you via email to confirm receipt of your Tax Organizer and supporting tax documents. Once all documents are received there will typically be 2-3 week turn around time for the return(s) to be completed.

What industries does your Tax Preparation service cover?

The Tax Preparation Service offered my MyBizBen is for self-employed individuals in the following approved industries:

  • Delivery Person/Courier
  • Cable Technician
  • Tractor Trailer Driver
  • Limousine Driver

This service includes a joint return if you are married.

After enrollment how do I change personal information?

To change personal information log into My Account. Select “edit” next to Profile. You will be able to change your Address, Phone and Email Address. If you need to change any other fields please contact MyBizBen Customer Care.

After enrollment how do I change my credit card information?

To change credit card information log into My Account. Select “edit” next to Credit Card Information.

How do I purchase additional products?

To add a product please sign into your account and go to the Products link. There you can add products that you have not already purchased.

How do I edit Beneficiary Information on my Occupational Accident Insurance Policy?

To change Beneficiary Information you will need to log into My Account. Under “My Products” select your Occupational Accident Insurance coverage. There will be a link to “Edit Beneficiary”.

How can I add dependents under my Dental and/or Vision Family Plan?

To add dependents under the Dental or Vision Plan you will need to log into My Account. Under “My Products” select your Dental and/or Vision coverage. There will be a link to “Dependents Information”.  You are only able to add dependents to the Family Plan.  If you need to change plans please contact MyBizBen's Customer Care.

How can I change plans under Dental and/or Vision?

If your status changes you will need to call MyBizBen Customer Care at 855-301-MBB1 (6221) to change your Dental/Vision plan (Ex. “You Only” to “You plus One” or “Family”).

Can I cancel the insurance products at any time?

There are no long term commitment requirements to purchase any of our recurring billing products. However, when cancelling any of the Insurance Products, your benefits will remain in effect up until the last day for which coverage has been paid in full. There are no refunds once a purchase has been made and you will be covered through the coverage period.

How do I cancel Occupational Accident or Cargo Insurance?

To cancel your Occupational Accident and/or Cargo Insurance, please log into “My Account”. Under “My Products” select the coverage you want to cancel. There will be a link to “Cancel”. You will receive an email confirmation that you have successfully canceled the product. However, please note, when cancelling Occupational Accident and/or Cargo Insurance, your coverage will remain in effect up until 12:00 AM of the last day for which coverage has been paid in full. There are no refunds once a purchase has been made and you will be covered through the end of the coverage period.

How do I cancel Dental or Vision?

To cancel your Dental and/or Vision Insurance, please log into “My Account”. Under “My Products” select the coverage you want to cancel. There will be a link to “Cancel”. You will receive an email confirmation that you have successfully canceled the product. However, please note, when cancelling Dental and/or Vision Insurance, your coverage will remain in effect up until 12:00 AM of the last day for which coverage has been paid in full. There are no refunds once a purchase has been made and you will be covered through the end of the coverage period. To cancel for the upcoming month you would need to do so before the 15th. If you cancel on the 15th or after you will have coverage through the next paid coverage period. (Example: If you cancel on 1/12 you will have coverage through 1/31. If you cancel on 1/20 you will have coverage though 2/28.)

How do I cancel the Tax Preparation service?

You do not have the ability to cancel the tax services once you have paid and submitted your Tax Organizer and tax documents. If you have not submitted your tax organizer and supporting tax documents, but have paid for the tax service, we will have the ability to give you a refund minus any administration fees that have been generated. Please call MyBizBen Customer Care.