Manage non-pays

The Total Non-Pay(s) field captures the total number of non-pays on a policy. You can find the Total Non-Pays field in the Policy Details section of the Billing Overview tab on the Accounts Receivable screen. The number included in the Total Non-Pay(s) field includes any legacy non-pays manually added.

When the billed premium isn’t paid by the invoice due date for a policy, after nightly processing the policy will enter non-pay. When a policy is in non-pay, the number in the Total Non-Pays field will increase by one, and the Notice of Cancellation, Non-Payment of Premium deliverable will generate for the policy. A Non-Pay transaction will be added to the Account History table, and when you select the Non-Pay link, the Notice of Cancellation, Non-Payment of Premium deliverable will open.

Legacy non-pays

Clients converting to BriteCore must be able to migrate non-pays that existed in their previous system. Clients can manually add these legacy non-pays. Each legacy non-pay added to a policy will increase the number in the Total Non-Pays field by one.

To add legacy non-pays:

  1. In the Policy Details section of the Billing Overview tab, select the <Number> Non-Pay(s) link. The Legacy Non-Pays dialog box will open.
  2. Select + Add a legacy Non-Pay.
  3. In the Non-Pay Date box, use the date picker to select the date of non-pay or type the date of non-pay.
  4. Select Store Non-Pay. The non-pay date will appear in the Non-Pay Dates section and a message will appear at the top of the screen:

    Non-pay saved successfully.

  5. Repeat steps 2-4 for each non-pay you need to add to the policy. When you’re finished, select Done.

The Total Non-Pay(s) field will capture the total number of non-pay dates you added, as well as any non-pays automatically added after nightly processing.

Delete non-pays

Underwriters or administrators may decide not to count a non-pay against an insured. For these situations, BriteCore lets you delete non-pays. When you delete a non-pay, the Total Non-Pay(s) field value will decrease by one.

To delete a non-pay, navigate to the Accounts Receivable screen of the policy you want to delete the non-pay for, and:

  1. Navigate to the Account History table on the Billing Overview tab.
  2. Locate the non-pay you want to delete and select the row of the non-pay. Transaction details will open.
  3. Select the Delete button. The Confirm pop-up window will open with the following message:

    Are you sure you want to delete this row?

  4. Select Yes. The following message will appear at the top of the screen:

    Record deleted successfully.

Delete legacy non-pays

In the event that a legacy non-pay is added in error, underwriters or admins may choose to delete the legacy non-pay.

To delete a legacy non-pay, navigate to the Accounts Receivable screen of the policy you want to delete the legacy non-pay for, and:

  1. Navigate to the Policy Details section on the Billing Overview tab.
  2. Beneath the Total Non-Pays field, select the <Number> Non-Pay(s) link. The Legacy Non-Pays dialog box will open.
  3. In the Non-Pay Dates section, navigate to the date you want to remove and select the red X. The Confirm pop-up window will open with the following message:

    Are you certain you wish to delete this non-pay?

  4. Select Yes. A message will appear at the top of the screen:

    Non-pay removed successfully.

  5. Select Done.

Usage considerations

When you manually change the total number of non-pays, BriteCore automatically creates a note in the Notes screen of the policy. The note contains the title of the action that occurred, a description of the action that occurred, the username of the user who completed the action, and a date stamp for when the action occurred. Manual changes include adding a legacy payment, deleting a non-pay, and deleting a legacy non-pay.

When a non-pay is deleted from the Account History table, an email is sent to all recipients listed in the Non-pay has been updated on an Account History administrative alert.