Filing a claim
To initiate a claim for long term disability (LTD) benefits, you must send us written notice of your claim within 90 days of becoming disabled. However, no sections of the LTD claim form should be completed before the onset of your disability. You cannot file a claim for LTD benefits while you are working, even if you plan to be absent from work in the future (e.g., a planned surgery, maternity leave, etc.). This notice alerts us to the existence and nature of your claim. Filing the claim form within 90 days allows us to obtain the information and documents we need to process your claim in a timely manner.
You may download a claim form from our Web site by clicking here. You may also contact your employer or call our Disability Department at (800) 279-4000.
Note: We require medical records to evaluate your claim for benefits. Some providers will supply the requested information to us free of charge as a courtesy to their patient. Regrettably, most providers charge fees for the reproduction and transmission of medical record information. According to the express terms of the long term disability policy, we do not reimburse for the cost of medical records. Any charges for the release of this information are your responsibility.
To expedite your claim and as a possible cost-savings measure, medical records should be attached to your completed claim form when you submit it to us.
If you have questions about which medical records to submit for our review, please contact our Disability Department at (800) 279-4000.
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