You are: individual
We will verify your coverage and send you the appropriate claim form within 5 business days.
When all sections of the claim form are completed and signed, return it to the address provided on the form.
- One section of the claim form (Part C) will need to be completed and signed by the treating physician (or licensed healthcare practitioner) who diagnosed or certified the illness/condition for which the claim is being filed. This section is clearly marked on the form.
- “Contestable” claims: Under industry standards, a policy is “contestable” if the condition is diagnosed within the 2-year period following the policy issue date or reinstatement date. If your policy is contestable, we will also provide you with a questionnaire that must be completed.
After we receive the completed and signed claim form, our Claims Department will obtain medical records from all of the listed medical care providers, as well as any other information needed to process the claim.
The amount of time it takes to review and approve the claim will vary depending on the number of health care providers we need to contact and how long it takes them to provide records.
- Upon approval of the claim: We will send the policy owner notification of the approved dollar amount, which will be based on a percentage of the total policy benefit. Policy owners will have 60 days to complete and return the included election form to ensure prompt payment.