Claims Frequently Asked Questions (FAQs)
Life Insurance FAQs
A completed claim form and, in most cases, a certiﬁed death certiﬁcate.
Beneﬁts are paid directly to the named beneﬁciary of the policy on ﬁle with Illinois Mutual.
Once all required documentation has been received, most beneﬁts are processed within 10 to 14 business days.
Yes! Direct deposit is available for life insurance beneﬁts and is encouraged for faster payment delivery.
Disability Income Insurance (DI) FAQs
We want to pay your beneﬁts as soon as possible. Help us by notifying the Claims Department immediately, even if you are not certain your total disability will extend beyond the elimination period. Please do not wait until the elimination period has expired, or you have returned to work, to notify us. Doing so could delay your claim. We will send claim forms to be completed by you, and your doctor, or you can download claim forms using the Forms section on our My Policy portal.
A completed claimant’s form, claim authorization and physician’s form will be required. In addition, other forms and/or information, such as medical or ﬁnancial documentation and employment veriﬁcation, may also be required (depending on the policy and type of coverage).
The number of continuous days you must be disabled before beneﬁts begin to accrue and become payable. Check your policy schedule page for the elimination period on your coverage. No beneﬁts are payable for the elimination period, unless stated so in the policy.
Your ﬁrst beneﬁt payment would be due 30 days after the end of your elimination period, provided all necessary information has been received. Thereafter, additional forms may be required to evaluate beneﬁts every 30 days.
Here is an example of the typical timing of your ﬁrst monthly beneﬁt, if you were approved for a disability claim on a policy with a 30-day elimination period:
Date of Disability: April 1
Elimination Period Ends: April 30
Beneﬁts Begin to Accrue: May 1
First Monthly Beneﬁt Due: June 1
Yes! Direct deposit is available for DI beneﬁts and is encouraged for faster payment delivery.
Worksite (VSTD) Group Disability Insurance FAQs
We will require a completed claim form, which you and your employer will complete, a claim authorization and a physician’s form. In addition, other forms and/or information such as medical or ﬁnancial documentation may be required.
The elimination period is the initial period of total disability during which no beneﬁts are payable. Your Schedule will indicate the number of days that are eliminated.
Most ﬁrst payments are processed 7 days (1 week) after the end of your elimination period, provided all necessary information has been received and your claim has been approved. Thereafter, weekly beneﬁts will be processed until additional forms are required for veriﬁcation of continued total disability.
Yes! Direct deposit is encouraged for faster payment delivery.
Yes, After total disability starts, you should continue to pay your premiums until we advise you otherwise. Your employer might discuss how you can make premium payments while you are totally disabled.
It is imperative that all requested information is completed in its entirety. Incomplete, missing, or illegible information may increase the processing time of your claim.
Note: Claims that are ﬁled within the ﬁrst 2 years of coverage may be subject to additional information and processing time.
The worksite (VSTD) group disability coverage provides beneﬁts for total disability. If you return to work in any capacity, beneﬁts will cease.
Accident Insurance FAQs
We require documentation that includes a diagnosis and veriﬁes treatment was the result of a Covered Accident, as deﬁned in the policy.
After Visit Summary/Discharge Paperwork
Emergency Room Report
Operative Report, if surgery was performed
Diagnostic Testing Reports
If admitted and conﬁned to a hospital, an itemized bill is required that includes room charges and the number of days the covered person was in the hospital.
Once all required documentation has been received, most beneﬁts are processed within 3 to 5 business days.
Log into our My Policy portal to ﬁle your online accident wellness claim. You can also download a claim form to mail, email or fax to us. If you have further questions, or assistance is needed, contact a claims representative to personally assist you.
Direct Deposit is not available on Accident policies (or wellness claims) at this time.
Critical Illness Insurance FAQs
The covered critical illnesses are listed on the Schedule Page of your policy. Please refer to your policy schedule, or call or email our Claims Department, for details and answers to any further questions.
Since covered critical illnesses under your policy need to meet certain criteria, in addition to required claim forms, your physician will also need to provide medical documentation to support the claimed critical illness. The speciﬁc documentation needed is outlined on the Critical Illness Attending Physician’s Statement.
Yes! Direct deposit is available for critical illness beneﬁts and is encouraged for faster payment delivery.