Filing a claim
Before we pay benefits, we must receive notice of claim and proof of loss that provides the information we need to establish that a covered loss has occurred, determine the proper beneficiary, and pay the appropriate benefits.
To initiate a claim for benefits, the claimant must send us written notice of the claim within the following time periods:
- For a death claim, written notice must be given within 90 days after the date of death.
- For an accidental dismemberment claim, written notice must be given within 90 days after the covered employee’s date of loss.
- For a waiver of premium claim, written notice must be given after nine months but within 12 months after the last date the employee was actively at work for the employer, performing all job duties.
We require the claimant to provide proof of loss on our claim form, which requests the information we need. To file a claim, please contact the Trust at (800) 279-4000. |
Remember ...
It's important to inform us within 90 days after the date of death.
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