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COVID-19 FAQs


We’ve compiled a list of FAQs to provide you with some answers in this time of uncertainty.

Amica COVID-19 Auto Refund Program

We are pleased to announce a second round of support to customers through the Amica COVID-19 Auto Refund Program. This program will refund up to 10% of your monthly auto premium over a period of up to four months. New auto policies written before the end of 2020 will also receive a refund for up to four months. The Amica COVID-19 Auto Refund Program is subject to state regulatory approval, and refund percentages will vary by state.

This follows, and is in addition to, the initial COVID-19 Auto Premium Relief Program.

California, New Jersey and New York policyholders, please read our special notices.

  • The refund applies to auto, motorcycle, RV and trailer policies.
  • All customers that have auto, motorcycle, RV and/or trailer policies with us by the end of 2020 will receive up to four months of refunds. Customers must remain insured with us on the dates the refunds are issued.

There is nothing our customers need to do to receive the premium refund.

Refunds will be issued beginning in July for customers that have an auto policy with us before June 1, 2020. For new auto policies effective on or after June 1, 2020, refunds will begin processing on the first of the month following the policy effective date or process date, whichever is later.

  • Twelve-month policies: First, we’ll determine the average daily premium for your policy period, taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by the percentage refund for your state to determine the refund amount. For example:
    • Let’s say your annual premium is $2,400.
    • $2,400 is divided by 366 days (assuming your policy included Feb. 29, as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of June, we’d multiply $6.56 by 30 to get $196.80. 
    • If the refund rate for your state is 10%, your refund on an average monthly premium of $196.80 would be $19.68.
  • Six-month policies: First, we’ll determine the average daily premium for your policy period, taking into consideration any premium changes. This average daily amount is multiplied by the number of days your policy was in effect that month. This total is multiplied by the percentage refund for your state to determine the refund amount. For example:
    •  Let’s say your six-month premium is $1,200.
    • $1,200 is divided by 183 days (six months and assuming your policy included Feb. 29, as 2020 is a leap year) to arrive at your average daily premium of $6.56.
    • If your policy was in effect for the entire month of June, we’d multiply $6.56 by 30 to get $196.80. 
    • If the refund rate for your state is 10%, your refund on an average monthly premium of $196.80 would be $19.68.
  • For customers who have a balance on their policy, the refund will be applied to the balance.
  • For customers who have paid their policy premium in full and the policy is renewing, the refund will be applied to the renewal policy.
  • Customers who have paid their policy premium in full but do not have a renewal policy that’s been issued, will receive a refund check.
  • Customers who have a balance on their policy that is less than the refund amount will receive a refund check for the remainder after the policy balance is paid.
  • Customers on AutoPay through Amica do not need to take any action. The refund will be applied to reduce your bill.
  • For customers receiving checks, we kindly ask for your patience as checks are printed and mailed.

No, this refund will not affect the amount of the dividend you receive at the end of the policy period.

Your refund is a percentage of your average daily premium throughout the whole policy period, inclusive of any changes, multiplied by the number of days your policy was in effect in the month.

Refunds that value between $1.01 and $4.99 will be rounded up to $5. Refunds under $1 will not be issued (may vary by state).

For our customers

Yes. We’re here and ready to assist you, 24/7. You can reach us at 800-242-6422.

In response to the COVID-19 pandemic, we’re taking measures to ensure we can continue to serve you, while also protecting our employees and doing our part to curb the spread of the virus. The vast majority of our employees are working from the safety of their own homes. They have a variety of tools to assist you while limiting in-person contact and the exchange of physical documents. To learn more about the tools we’re using, go here.

We’ve closed all Amica facilities to guests and vendors.

About our services

We cover loss caused by COVID-19, subject to all other terms and conditions of the policy.

Our goal at Amica Life is to help you protect your financial well-being, and we’re fully committed to giving you the support you need during these unprecedented times. If you have any questions about your policy, don’t hesitate to call on us. While we’re restricting visitors to our locations, we’re still here for you. Amica Life offers a variety of convenient digital tools that you can use from the comfort and safety of your home any time. 

We offer digital and self-service functionality on Amica.com and through the Amica mobile app.  To access these tools, log in to your account on Amica.com or download and log in to the Amica mobile app. Download the free app through Google Play or the App Store.

For our community

We’re taking direction and following the recommendations from the Centers for Disease Control, the World Health Organization and governmental officials. Ninety-five percent of our employees are currently working remotely. 

We’ve made key changes to our internal policies, benefits and employee support programs to make this situation easier on our staff and their families. We know how important it is to take care of the people who take care of you.

We’re dedicated to supporting the communities where we live and work, and we’ve made a number of donations to organizations that are helping those most vulnerable get through this difficult situation. As always, we provide a matching donation to nonprofit organizations our employees and their spouses support. This giving reinforces the good work our employees see happening in their local communities.

CARES Act FAQs and Required Minimum Distribution Changes

Updated as of June 24, 2020: If you have additional questions, including anything not noted below, please contact Amica Life at 844-894-4228.

Under the CARES Act, IRA owners do not need to take their 2020 Required Minimum Distribution (RMD). Also, an IRA owner can take a distribution from an IRA without a 10% early withdrawal tax penalty.

Yes. The RMD waiver applies to both 2020 RMDs and deferred 2019 RMDs.

If you received an RMD between January 1 and July 2, you have until August 31 to return the funds to your IRA. For anyone who receives an RMD after July 2, the funds can be returned to the IRA within 60 days of the payment.

If you wish to defer your future distribution, please contact us at 844-894-4228 or by email at LifeCustomer@amica.com and we will send you a form to indicate that you don’t want the funds. We are sending notices to individuals who have not yet taken their RMD with the deferral form. We need to receive the deferral form no later than two weeks before the date of the scheduled distribution. If you did not receive a notice but would like to defer a future RMD distribution, we can email you a form for you to complete via email and send back to us.

Yes. Individuals are allowed to take coronavirus-related distributions from their IRAs without the 10% early tax withdrawal penalty. Please call us at 844-894-4228 if you want to take a COVID-19 distribution.

A coronavirus-related distribution is available to anyone who meets one or more of the following criteria and submits a statement to Amica regarding their need:

  1. Tested positive for COVID-19 by a test approved by the CDC;
  2. Spouse or depended tested positive for COVID-19 by a test approved by the CDC;
  3. Experienced adverse financial consequences as a result of:
    • Being quarantined, furloughed, laid off or having work hours reduced due to COVID-19; 
    • The inability to work due to lack of child care due to COVID-19;
    • The closing or reducing hours of a business owned or operated by the individual due to COVID-19;
    • Reduction of pay (or self-employment income) or having a job offered rescinded or start date delayed due to COVID-19;
    • Spouse or member of the individual’s household being quarantined, furloughed, laid off or having work hours reduced due to COVID-19, being unable to work due to lack of childcare due to COVID-19, having a reduction in pay (or self-employment income) due to COVID-19 or having a job offer rescinded or start date delayed due to COVID-19; or
    • Closing or reducing of hours of a business owned or operated by the individual’s spouse or member of the individual’s household due to COVID-19.
  4. NOTE: For the purposes of these factors, a member of the individual’s household is someone who shares the individual’s principal residence.

Yes, any coronavirus-related distributions are taxed as ordinary income. You can choose to distribute the tax evenly over three years or take the tax in the year of distribution.