Compassionate and Timely Claims Processing — Disability Income Insurance (DI)

We understand filing a claim when you're sick or injured can be stressful. This overview will help you learn what to expect in working with our claims team when you have a possible claim on your DI policy.

You can begin the claims process by contacting us or you can request claim forms under the Contact Us section of our website. Your request will then be assigned to a dedicated claims examiner who will assist you through the entire process.

After we receive your initial notification of a claim, you will be sent the required forms and authorizations that need to be completed in their entirety. You can also download initial claim forms by clicking the My Policy button on our website, logging into our policyowner portal and selecting the forms tab. Keep in mind that one form will need to be completed by your doctor which could take some time. It is important to fill out each form accurately and thoroughly, including detailed information because incomplete information may delay the processing of your claim.

We will supply a postage paid envelope to assist with returning all completed forms to our claims department. If you prefer you may also email or fax your completed forms. Once the required claim forms are received your examiner will contact you to go over the claims process and answer any questions you may have. You will also be informed if any additional information or verification is needed.

Gathering this information may take a little extra time and we will keep you informed during this process. The amount of time it takes for us to reach a decision depends on several factors, including the quality and level of detail of the information you provide, as well as the complexity of your claim. Our goal is to make a decision on your claim as soon as possible after receiving all required information. If your claim is confirmed eligible and approved for benefits you will receive confirmation from our claims department, including the process for confirming your ongoing eligibility for benefits.

For benefit payments we offer direct deposit as a convenient fast and secure way for you to receive your payment. Once your banking information is approved and payment is processed it typically takes two to three business days for the payment to be deposited into your bank account or if you prefer we can mail a check for your benefit payments.

If we are unable to approve your disability claim you will be notified in writing. You always have the opportunity to appeal and provide further information for consideration. We value the relationship built between you and your dedicated claims examiner.

We know that not every question can be answered beforehand. If you have any questions, please don't hesitate to contact our claims department. We appreciate the trust you have placed in us we are here to support you and look forward to assisting you.