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*Please note when submitting salary information for sole proprietors on the life and disability enrollment form, “Earnings” means your net profit averaged for the lesser of:
a) the 2 most recent years just prior to your Date of Disability; or b) the period that you have been a sole proprietor, if you have been a sole proprietor for less than 3 years. 
Annual, Monthly and Weekly net profit is figured on Form 1040 Schedule C as the gross income less total deductions. Deductions do not include depreciation or expenses for business use of home. Earnings do not include income received from sources other than Your Form 1040 Schedule C earnings.

Where do I send my forms and premium payments?

Additions & Deletions, Dearborn New Business & Claims

BCBSM additions and deletions, Dearborn new business and claims should be submitted to the SBAM office in Lansing via email, online Freshdesk web portal or mail:

MemberCare@homeconstructionloans.net

SBAM Freshdesk

Attn: SBAM Member Care Service
101 S Washington Square, Suite 900
Lansing, MI 48933

Submit a Freshdesk ticket

Insurance Premium Payments

BCBSM and Dearborn premium checks should be made payable and mailed to the SBAM lockbox in Kalamazoo:

SBIS (Small Business Insurance Services)
PO Box 19166
Kalamazoo, Michigan 49019-9810

Questions about your monthly premium invoice?  Contact us at MemberCare@homeconstructionloans.net or SBAM Freshdesk

You have the option to pay your monthly insurance premiums via ACH payments. Click below to complete the form and send to us for processing.

Sign up for ACH Payments