You can pay your insurance premium in the following ways:
With automatic recurring payments
EFT Recurring Payment Authorization Form
How Does Mutual Benefit Group Keep My Personal and Financial Information Safe?
How Can I Protect My Personal and Financial Information When Paying Online?
Pay Online with MBG easyPAY
Save money and time by paying your Mutual Benefit bill online. Our secure Web site offers you the convenience of paying your premium 24 hours a day, seven days a week. You may log in to make a one-time payment, or enroll for added convenience when paying regularly online.
Click here to pay online.
You may pay your bill using a bank account (either checking or savings), a debit card with a MasterCard or Visa logo, or a MasterCard or Visa credit card.
These account management activities are also available online if you enroll your account(s):
Set up recurring payments to be drafted from your bank account
-- Check account status
-- Review payment history
-- View future installments
-- Sign up for alerts and notifications regarding your account
-- Update your personal and account information yourself
-- Set up payment for multiple policies using multiple accounts…for example, pay your auto policy from your checking account, pay your homeowners policy via credit card
-- Use the "group payment" option to pay all your personal policies with just one transaction, or all your commercial policies with just one transaction
--Send an-email to MBG's billing department
What is a recurring payment?
Recurring payments allow you to have your invoiced installment amount automatically withdrawn from your checking or savings account on the installment due date. Recurring payments save you time and money because you don't have to write checks and pay to mail them, and you don't even have to take the time to go online to pay; payment is automatically drafted at the right time. This also means you never have to worry about late payment resulting in a lapse in your insurance coverage. Mutual Benefit's recurring payment program is available for both personal and commercial insurance accounts; however, it is limited to 12-month policies that are paid on a monthly basis. For instance, if you have a six-month policy, or if you choose to pay your premium quarterly, you would not be eligible for the recurring payment program. For more information on Mutual Benefit's payment plans, click here.
Are there installment or service fees?
An installment fee of $2.00 will be charged on any payment when using the recurring payment option.
If I sign up for recurring payments, will I still receive an invoice?
No, you will not receive an invoice every month. We will send you a notice only when your withdrawal amount changes by $2.00 or more due to a change to your policy/account.
Can I have my payment withdrawn from a savings account or charged to a credit card?
We can withdraw a recurring payment from a checking or savings account, but not from a credit card account.
How can I sign up for recurring payments?
You will need to enroll as a new user and register for an online account after clicking the "Make a Payment" button on the homepage of this Web site. Have your policy or account number and billing zip code ready, and click the "New User, Register Here" link. Complete the required information on the Enrollment page.
Once enrolled, you may set up a recurring payment to be automatically deducted from your bank account. To set up a recurring payment, click on the "Payment" tab, then choose the "View Recurring Payment" option. On the Recurring Profile page, click on the "Add Recurring Payments" button. Choose the enrolled policy/account you wish to set up on a recurring payment, as well as the bank account you wish to use for payment. Click "Submit" when finished. NOTE: You will need to pay any invoice that you have received to date for the policy/account that you would like to enroll for recurring payment. Your first recurring payment will be on the next billing cycle. Recurring payments will be deducted from your bank account on your policy/account number due date.
If you don't have regular access to a computer and would like to sign up for recurring payments, you must complete and sign Mutual Benefit's EFT Recurring Payment Authorization Form, and return it to your insurance agent or to Mutual Benefit Group, 409 Penn Street, PO Box 577, Huntingdon, PA 16652. If you have questions about signing up for recurring payments, or need assistance, please call your insurance agent, whose name and number is located in the upper right-hand corner of your invoice. Or, dial Mutual Benefit's office at 1-800-283-3531 and ask to speak with a billing customer service representative.
Click here to sign up for recurring payments.
When will my payment be posted to my account?
Recurring payments will be processed in one business day.
How can I change my checking or savings account information?
You will be able to change your banking information by clicking on the "Payment" tab.
What if I decide I no longer want recurring payments?
You may terminate your recurring payment election any time by logging into your profile and choosing the "Recurring Payment" option from the "Payment" tab. You may also call your insurance agent for assistance if you no longer wish to use this method of payment.
Can Mutual Benefit refuse to accept recurring payments on my account?
Mutual Benefit does reserve the right to refuse or terminate electronic payment services. If there are insufficient funds in your account on the withdrawal date, you could receive a cancellation notice for that installment and be charged a $30 nonsufficient funds service fee. If the installment is subsequently paid, the automatic withdrawal of any future installments will continue without interruption. Multiple nonsufficient funds occurrences may result in a customer being declared ineligible for the recurring payment program.
Who do I contact if I have questions about recurring payments?
Call Mutual Benefit Group toll-free at 1-800-283-3531, Monday through Friday, from 8 a.m. to 5 p.m., and ask for a billing customer service representative.
Pay By Phone
There are two ways to pay over the phone.
1) Our customer service representatives are available from 8 a.m. to 5 p.m., Monday through Friday, to personally assist you in making a payment over the phone. Diall toll-free 1-800-283-3531 and ask for a the billing department.Our representatives can accept a payment from your bank account; a debit card with a MasterCard or Visa logo; or a MasterCard or Visa credit card. Please have your account information ready when you call.
2) Pay your premium 24/7, evenings, weekends, and holidays, by using our interactive voice response (IVR) payment system. Have your policy/account number available and dial 888-505-0153. Follow the system's prompts to complete your payment using an electronic check from a checking or savings account; a debit card bearing a MasterCard or Visa logo; or a MasterCard or Visa credit card. (Pennsylvania commercial customers please note: You will be charged a convenience fee of $7.95 when using the IVR system.)
Prefer not to call? Pay online or schedule automatic recurring payments from your bank account.
Pay By Mail
Please send your payment along with your remittance stub to:
Mutual Benefit Group
409 Penn Street
PO Box 577
Huntingdon, PA 16652-0577
Wish you didn't have to dig out the checkbook and the stamps? Pay online or schedule recurring payments from your bank account.
With MBG easyPAY, you can choose from among four convenient payment plans:
Semiannual - Pay half your premium when your invoice arrives, and half later in the year.
Quarterly - Pay one-fourth of your premium down and the rest in three additional payments.
Make a Flexible Payment - Pay any amount between the listed minimum payment due and the maximum due (the full remaining balance), much the same way you might handle payment of a credit card bill. The only requirement is that you pay at least the minimum due at the time of billing to keep your account current.
How does Mutual Benefit Group Keep My Personal and Financial Information Safe Online?
--User ID and Password - Your user ID and password are unique identifiers that only you know. As long as you don't share your user ID and password with anyone, no one can view your bills or personal information.
-- SSL and Encryption - MBG's billing feature uses top-of-the-line Internet security, which includes SSL (Secured Socket Layers) 128-bit encryption. So what does that mean?
SSL is a set of rules governing the format of messages that are exchanged between computers. It assures that your connection and information are secure from outside inspection; that your information isn't tampered with during transmission; and that the party actually receiving your information is who it claims to be. For example, before your payment information is transmitted to a bank, it is encrypted using a secret "key," which is made up of "bits." A bit is a binary digit, the smallest increment of data on a computer. A bit can hold only one of two values: 0 or 1, corresponding to the electrical values of "off" or "on," respectively. Keys are made up of a long sequence of bits, using combinations of 0 and 1...00, 01, 10, 11, etc. Mathematically speaking, there are 2n possible values for any "n"-bit key.
When an encrypted message reaches its destination, the key is decrypted, or decoded, so it makes sense to the receiver. Anyone trying to intercept the information during the transmission would see nothing but gibberish because they would not know what the code represents. The more bits of encryption and the longer the length of the key, the harder it is for someone to try to break the code and "steal" the information in the transmission. For someone to steal your encrypted information, they would first have to figure out a way to intercept it, which is extremely difficult. They would then have to decode the encrypted message. It would be much easier for a thief to tap your phone or intercept your mail to obtain your credit card or bank account numbers than to try to intercept and decode data traveling over the Internet.
While it is true that computer experts can crack encrypted message code with high-speed computers, it took an entire week for a French researcher using a network of fast workstations to crack a 40-bit encrypted message. Since a credit card or bank account transmission occurs within minutes or hours, the transaction would be completed long before the thief got started. Now recognize that today's standard encryption is 128-bit. Compared to 40-bit encryption, 128-bit encryption provides 88 additional bits of key length. This translates to 288, or a whopping 330, 000,000,000,000,000,000,000,000 additional combinations that a computer hacker would have to figure out in order to decode your information. If it takes a week to crack 40-bit encryption, it would take 6,000 trillion years to break 128-bit encryption, even given the current rate at which computer speeds are improving. That is significantly longer than the amount of time the universe has been in existence. Simply put, 128-bit encryption is secure and makes it next to impossible for a thief to decipher your information during transmission of data. (Sources: us-cert.gov and Indiana University)
-- MBG Is Committed to Protecting Your Personally Identifiable Information - Click on the link on the bottom of this page to read Mutual Benefit Group's Privacy Notice. The notice explains the types of personally identifiable information Mutual Benefit Group gathers about you when you visit our Web site; how we may use that information; whether we disclose it to anyone; the choices you have regarding our use of the information; and your ability to correct the information.
How Can I Protect My Personal and Financial Information When Paying Online?
According to the U.S. Department of Justice, identity theft is the fastest growing crime in the United States and has surpassed drug trafficking as the number one crime in America. Each year, attacks grow more frequent and more sophisticated. Identity theft happens when someone uses your name, address, Social Security number, credit card or bank account numbers, passwords and other personal information without your knowledge to commit crimes. The key to protecting yourself is to become educated about this type of fraud and take recommended actions. Following are some tips and resources that will help:
Educate yourself - Many bank and credit union sites regularly post information on their Web sites regarding the most recent and widespread online fraud schemes. You can also find such information, as well as many helpful tips on protecting yourself from online identity theft schemes, by visiting sites such as staysafeonline.org, us-cert.gov (posted by the United States Computer Emergency Readiness Team, US-CERT), and antiphishing.org. These sites also explain identity fraud terms that you may have heard but don't understand, such as phishing, spyware, social engineering, and dumpster diving.
Know what NOT to do:
- Do not give sensitive information such as your Social Security number, address, date of birth, bank account number, passwords, PIN numbers, or the security code from the back of your credit cards to anyone unless you are sure that they are who they say they are, and that they should have the information requested. This includes e-mail requests for such information. Legitimate companies never ask for your personal information by e-mail. When you get such an e-mail, realize that the chances are excellent that it is a scam.
- Do not click on any link in an e-mail that requests personal information; do not follow unsolicited Web links in e-mail messages. Delete suspicious e-mails right away. Often such links contain a virus that will immediately infect your computer when you click on the link.
- Do not automatically open e-mail attachments. Even if the message looks as though it came from someone as familiar as your mother or your boss, be aware that viruses can mimic a return address, making it look as though the e-mail came from someone else. Attachments can contain a virus or spyware that will infect your computer. Be especially suspicious of attachments with an "exe" file extension. Delete e-mails with suspicious attachments right away.
- Don't let your curiosity, your good nature, or your innate trust in an organization put you at risk. If possible, check with the person who supposedly sent the message to make sure it's legitimate before opening any attachments. Go to the official Web site for a financial institution or organization by typing its Web address in the address bar of your Web browser, not by clicking a link in an e-mail. If there is a real problem at the institution or organization, there will likely be a message on the homepage of the corporate/organization Web site. Or, call the company's customer support department and ask if the message is legitimate. If an unknown individual claims to represent a legitimate organization, try to verify his or her identity directly with the company or organization. Be aware that Internet service providers and software vendors do not send patches or anti-virus software and updates via e-mail.
Know what TO do:
- Stay calm if you receive an e-mail telling you that a transaction failed, a direct deposit did not go through, an account was frozen, or that credit card information was stolen. Scammers send messages like these in hopes of upsetting you so that you will immediately follow their advice to click on a link included in the message to receive more information. The link contains a virus that compromises your computer. Rather than clicking on such a link, call the bank or business associated with the transaction to verify that there is indeed a problem.
- Look at Web addresses in your Internet browser. The letters "https" should precede any Web address through which you enter personal information. The "s" stands for "secure." If you don't see the "s," you're not in a secure Web session, and you should not enter information.
- Install and maintain up-to-date antivirus software, firewalls, and e-mail filters on your computer. Be sure that your computer operating system and common software application security patches are installed and current. Enable your computer settings to take advantage of automatic patch updates.
- Turn off your computer's option to automatically download attachments.
- Save and scan attachments before opening them. If you feel you must open an attachment before you can verify the source, be sure that your anti-virus software is up to date. Save the file to your computer or a disk. Scan the file using your anti-virus software. If the file is clean and doesn't seem suspicious, open it.
- Pay attention to the URL of a Web site. Malicious Web sites may look exactly the same as a legitimate site, but the URL may use a variation in spelling or a different domain, such as .com instead of .org.
- If you suspect that you are the victim of identity fraud or that your financial accounts may have been compromised, you should:
- Contact your financial institutions and credit card companies immediately to close accounts.
- Change any passwords you may have provided. If you use the same password for most of your dealings, change it on all accounts and don't use it in the future.
- Watch for any unexplainable charges to your accounts.
- Consider reporting the attack to the police or filing a report with the Federal Trade Commission at ftc.gov. Sometimes, institutions, organizations, or businesses targeted by such scams may request that you forward a fraudulent e-mail to a particular address for analysis.
- Consult a computer security or anti-virus specialist or re-install a clean image of the computer system if you believe your computer may be infected with a virus or malicious code.
What are my options for paying my policy premium?
You may pay your policy premium in several convenient ways:
- Policies that you have added to your online payment profile can be paid online. See Pay Online with MBG easyPAY for details.
- Arrange for Electronic Funds Transfer (EFT), which is a monthly automatic withdrawal from your checking or savings account with lower installment fees. To save time and money, sign up here.
- Call 1-800-283-3531 Monday through Friday, 8 a.m. to 5 p.m., and ask to speak with someone in our Billing Department.
- Dial 888-505-0153 24 hours a day, seven days a week, to pay online using our interactive voice response (IVR) phone payment system. Have your account information available before calling.
- Mail your payment, using the envelope enclosed with your bill. If you have misplaced your payment envelope, please send the payment, along with your policy number, to:
Mutual Benefit Group
ATTN: Accounting Department
PO Box 577
Huntingdon, PA 16652-0577
What types of payments are accepted?
You may pay by mailing a check or money order, or with one of the following credit cards: MasterCard or Visa. When paying online, you may pay from a checking or savings account, or with a MasterCard or Visa credit card. In addition, we accept debit cards with a MasterCard or Visa logo. You may also sign up for Electronic Funds Transfer (EFT) from your checking, money market, or savings accounts.
Does Mutual Benefit charge billing fees?
You can avoid a service fee by paying in full when you receive your initial invoice. Otherwise, a $6 service fee will be charged each time you make a payment. A $10 or a $15 late fee, assessed in Maryland and Pennsylvania respectively, may be charged on any payment that is not received in our office by the due date listed on the billing statement. A $30 fee will be charged for nonsufficient funds. A $2 service fee is charged for each recurring payment. Commercial customers in Pennsylvania who pay their premium using MBG's interactive voice response (IVR) phone payment option will be charged a convenience fee of $7.95.
I received a notice that my policy has been cancelled. What should I do?
Call your insurance agent. He or she will be able to answer your questions and help you make an informed decision about the next step to take.
Why am I being charged an installment fee?
A fee is charged if you elect to pay your premium in installments. You can lower the fee if you sign up for EFT. You can avoid installment fees by paying your entire balance in full when your policy is issued or renewed.
Can I pay my premium quarterly or semi-annually?
For your convenience, we offer installment payments on an annual, semi-annual, quarterly, and monthly basis. The initial pay plan you choose will remain throughout your policy term. Please contact your agent or MBG Customer Service at 800-283-3521 with pay plan questions. Note: Recurring EFT payments are always a monthly payment plan.
Can I pay my balance in full or extend my due date?
You can pay your balance in full at any time. Failure to pay by the due date may result in additional fees and/or cancellation of your policy/account.
Can I change my monthly premium due date?
Yes, you can select a premium due date that is most convenient for you. Please contact Customer Service at 800-283-3531 for assistance.
How do I make an online payment?
You can pay your invoice online by making a one-time payment or by enrolling in the MBG online payment system. Click on the "Make a Payment" button on the homepage of www.mutualbenefitgroup.com to access the online payment tool. To make a one-time payment without enrolling, choose the one-time payment option from the Welcome page, selecting either the personal or commercial button depending on the type of policy/account you wish to pay. To enroll, click on the "New User? Register Here" link and complete the enrollment process. Once you are enrolled, log in and you will see a summary of your current unpaid invoices. You can then click "view/pay" to proceed with making your payment. Select the amount you want to pay and the date you want to pay your invoice, and you are done! You can also set up recurring payments that can be automatically drafted from your bank account on the due date.
What if I forgot my user ID or password for the online billing feature?
You should choose a user ID that is easy for you to remember. If you forget your ID, please contact Customer Service at 1-800-283-3531. If you forget your password, go to the Log-in Page and click "Forgot Your User Name/Password?" After you enter the user ID, your password will be sent to the e-mail address you provided during enrollment.
When will my online payment be processed?
Processing times depend on your payment method:
- MBG online payments will be processed in one to two business days.
- Electronic Funds Transfer payments will be processed in one business day.
- Online banking payments will be processed in one to two business days upon receipt.
- Mailed payments will be processed in one to two business days upon receipt.
Timing of bank account payments:
If you schedule your payment for Monday, your policy/account will be credited Tuesday.
If you schedule your payment for Tuesday, your policy/account will be credited Wednesday.
If you schedule your payment for Wednesday, your policy/account will be credited Thursday.
If you schedule your payment for Thursday, your policy/account will be credited Friday.
If you schedule your payment for Friday, your policy/account will be credited Monday.
If you try to schedule a payment after 8 p.m. Eastern Time or on a non-business day, such as Saturday, Sunday, or a holiday, an alert will appear telling you to schedule your payment for the next available business day. Holidays based on the Federal Reserve calendar are as follows: New Year's Day, Birthday of Martin Luther King Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.
Timing of credit card payments:
If you make payment before 8 p.m. Eastern Time on Monday, your policy/account will be credited Tuesday.
If you make payment before 8 p.m. Eastern Time on Tuesday, your policy/account will be credited Wednesday.
If you make payment before 8 p.m. Eastern Time on Wednesday, your policy/account will be credited Thursday.
If you make payment before 8 p.m. Eastern Time on Thursday, your policy/account will be credited Friday.
If you make payment before 8 p.m. Eastern Time on Friday, your policy/account will be credited on the following Monday.
If you make payment before 8 p.m. Eastern Time on Saturday, your policy/account will be credited the following Tuesday.
If you make payment before 8 p.m. Eastern Time on Sunday, your policy/account will be credited the following Tuesday.
If you try to make a payment after 8 p.m. Eastern Time or on a non-business day, an alert will appear telling you to schedule your payment for the next available business day. Holidays based on the Federal Reserve calendar are as follows: New Year's Day, Birthday of Martin Luther King Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, Christmas Day.
Will my current invoice be paid if I set up an account for recurring payment today?
No. Please pay all current invoices that you have received to date for the account. Your first recurring payment will be taken on the next billing cycle. Please ensure that payment is made in your normal fashion for the current billing cycle. The recurring payment option will apply to all further payments and will continue into future policy periods.
What if my invoice is not available to pay online?
If your invoice is not available to pay on this billing site, please contact Customer Service at 800-283-3531.
Can I set up recurring payment on my credit card?
No. Recurring payments may only be set up by using a bank account. The recurring payment is called Electronic Funds Transfer (EFT) and is a monthly automatic withdrawal from a checking or savings account. To save time and money by setting up recurring payments, sign up here.
What software do I need to use the online billing feature?
Insureds can access the billing site from any Web-based computer with an Internet connection and a Web browser that supports 128-bit encryption. Specific information concerning browser versions is listed below:
- Microsoft Internet Explorer users will need version 6.0 or higher. To check the encryption level on the browser, click "Help" from the browser menu, then click "About Internet Explorer." This will open a separate window that displays the version currently in use.
- Mozilla/Firefox users will need version 3.x or higher.
- Safari users will need version 4 or higher.
- Chrome users will need version 12 or higher
Can I download my invoices into Quicken or MS Money?
No. At this time you cannot download your invoice information into money management programs. Look for this feature to be added soon.
1-800-283-3531 - or email: firstname.lastname@example.org