File a claim for a Critical Illness, Chronic Illness or Terminal Illness
Please use the online form below to initiate an Accelerated Death Benefit or Terminal Illness Rider claim only if your policy has an Accelerated Death Benefit Rider or Terminal Illness Rider.
For additional policy and claim options, please refer to the Individual Claims page.
Check your policy contract, which was sent to you when your policy went into effect. Accelerated death benefit riders and terminal illness riders are provided under provisions that are called “policy riders.”
Any policy riders you have will be listed in the Policy Schedule section toward the front of the contract. If you have one or more Accelerated Death Benefit or Terminal Illness riders, they will be listed with these names:
- Terminal Illness Accelerated Death Benefit Rider
- Chronic Illness Accelerated Death Benefit Rider
- Critical Illness Accelerated Death Benefit Rider
- Terminal Illness Rider
The rider itself can be found toward the end of the policy document. It will list covered conditions for each type of illness. Check the rider language to verify your condition is covered.
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.
Please note:
- 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.
See our Frequently Asked Questions for additional information about critical illness, chronic illness and terminal illness claims.