Yes! You can use AI to fill out Principal Life Insurance Company Administration Guide
The Principal Life Insurance Company Administration Guide is a detailed reference for policyholders (employers) to administer their group insurance benefits. It outlines procedures for enrolling members, managing policy changes, understanding billing statements, and filing claims, ensuring compliance with policy provisions. Today, the various administrative forms mentioned in this guide can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
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It takes less than a minute to fill out GP59862-13 using our AI form filling.
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Form specifications
| Form name: | Principal Life Insurance Company Administration Guide |
| Number of pages: | 1 |
| Language: | English |
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How to Fill Out GP59862-13 Online for Free in 2026
Are you looking to fill out a GP59862-13 form online quickly and accurately? Instafill.ai offers the #1 AI-powered PDF filling software of 2026, allowing you to complete your GP59862-13 form in just 37 seconds or less.
Follow these steps to fill out your GP59862-13 form online using Instafill.ai:
- 1 Navigate to Instafill.ai and upload the required Principal Life form, such as an Enrollment or Claim form, or select it from the template library.
- 2 Use the AI assistant to automatically populate employer and policy information from your saved profile.
- 3 Enter the specific employee or dependent details, such as name, date of event (e.g., hire, birth), and requested coverage changes.
- 4 Follow the AI-guided prompts to complete all necessary sections, ensuring no required fields are missed.
- 5 Review all the auto-filled and manually entered information for accuracy before finalizing the document.
- 6 Securely sign the form electronically and download the completed PDF, ready for submission to Principal Life as instructed in the administration guide.
Our AI-powered system ensures each field is filled out correctly, reducing errors and saving you time.
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Frequently Asked Questions About Form GP59862-13
This is a reference guide for employers (Policyholders) to assist with the daily administration of their employer-sponsored group benefits insured by Principal Life Insurance Company. It covers tasks from enrolling new members to managing billing and claims.
First, designate a primary security administrator and obtain a password by calling 800-621-6280. You can then log in at www.principal.com as an employer to access the online Principal Employee Benefits Service Center and manage your group policy.
A new employee must complete an Employee Enrollment & Waiver Form. A Health Statement form may also be required if the employee is a late entrant or if the requested life or disability benefits exceed the guaranteed issue amount.
Due to HIPAA privacy rules, you should not review completed Health Statement or claim forms. Instruct employees to send these forms containing Protected Health Information (PHI) directly to Principal Life using the provided return envelopes.
You can report member changes by submitting a completed Employer Change Form or through the employer portal at www.principal.com. Report all changes promptly to ensure accurate billing and prevent delays in claim services.
Forms are available on the Principal website at www.principal.com. You can also order forms by calling 800-843-1371; be sure to have your account number and the specific form numbers ready.
An employee who enrolls after their initial 31-day eligibility period is considered a 'Late Entrant.' They may need to provide proof of good health via a Health Statement form, and their coverage could be deferred or denied.
The employee should get the appropriate claim form from www.principal.com and mail the completed form directly to the address listed. As the employer, you should provide the form but not review it to maintain confidentiality.
Depending on the circumstances, a member may be eligible to continue coverage through COBRA, State Continuation, or Individual Purchase Rights (Conversion). You are responsible for notifying the member of their applicable options.
You can pay by check using the payment stub from your billing statement or set up Electronic Funds Transfer (EFT) for automatic withdrawal. It is important to pay the total amount due as billed to avoid a lapse in coverage.
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save significant time and reduce errors when completing enrollment, change, or claim forms.
Simply upload the PDF form from Principal Life to the Instafill.ai platform. The AI will make the document fillable, allowing you to type your information directly into the fields, save your progress, and download the completed document.
If you have a flat or non-fillable PDF, you can use a service like Instafill.ai to instantly convert it into an interactive, fillable form. This allows you to easily type information into the fields rather than printing and filling by hand.
Compliance GP59862-13
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Common Mistakes in Completing GP59862-13
Administrators often collect and review sensitive documents like Health Statements or claim forms to check for completeness, inadvertently accessing PHI. This violates HIPAA Privacy Rules and can lead to significant legal and financial penalties for the employer. To avoid this, employers must instruct employees to send these forms directly to the insurer. AI-powered tools like Instafill.ai can guide employees to fill forms correctly, reducing the administrator's perceived need to review sensitive information.
Failing to promptly report terminations, new hires, or salary changes is a frequent error due to administrative backlog. This results in paying premiums for ineligible employees (with limited credit back), creating coverage gaps for new staff, or causing issues during claims. Use the insurer's online portal for real-time updates or an integrated solution like Instafill.ai to ensure changes are submitted accurately and on time, preventing costly billing errors.
Employers often confuse an employee's hire date with their benefits eligibility or effective date, especially with different rules like 'Standard' vs. 'First of the Insurance Month'. This miscalculation can lead to unintentional gaps in coverage and denied claims. To prevent this, carefully verify the waiting period and effective date rules in the Group Policy document for every new enrollment.
Administrators frequently miss the requirement for a Health Statement when an employee enrolls late, increases coverage above the guaranteed amount, or has a significant salary increase. This oversight can lead to the denial or delay of the additional coverage until medical underwriting is completed and approved. Always cross-reference enrollment or change requests with the policy's guaranteed issue limits and eligibility periods.
A common mistake is for an administrator to see an error on the bill (like a terminated employee) and manually subtract that premium from the payment. The guide warns against this, as it creates a short payment that can lead to late notices and policy cancellation. The correct procedure is to 'pay as billed' and report the change separately; the insurer will then apply a credit on a future statement.
Since life and disability benefits are often based on salary, failing to report compensation changes is a critical error. This often happens because it's not tied to a specific event like open enrollment. The consequence is severe under-insurance at the time of a claim, with benefits paid based on outdated, lower salary information. A best practice is to report salary updates as they occur.
Employees often fill out beneficiary forms with unclear information, such as writing 'my children' or failing to name a contingent beneficiary. This can cause major delays and legal disputes during a life insurance claim process. Employers should guide employees to use the specific wording examples provided in the administration guide and to review their designations periodically.
The guide states that every eligible employee must complete a form, even if they are refusing coverage. Administrators sometimes only collect forms from enrolling employees, making it impossible to track participation rates accurately. This can jeopardize the entire group policy, as insurers may not renew plans that fall below minimum participation requirements.
Many of the forms described are traditional paper or flat PDF documents, which can lead to illegible handwriting, missing signatures, or incomplete fields. These errors cause processing delays, require rework, and can even result in an employee being treated as a late entrant. Using a tool like Instafill.ai can convert non-fillable PDFs into smart, fillable forms that validate data entry and ensure all required fields are completed before submission.
The rules for COBRA, FMLA, and State Continuation are complex, and employers often make mistakes regarding who is eligible, for how long, and what notices are required. Misinforming an employee or failing to offer continuation can expose the employer to significant legal liability, including being responsible for the employee's medical bills. Employers should consult with legal counsel to ensure full compliance.
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