How to submit a group life insurance claim
- Inform the plan sponsor of the death.
- Complete and submit the appropriate group life insurance claim form.
What are the submission timelines?
To allow for prompt assessment, initial notice of a life claim should be submitted as soon as possible.
My form is complete. Now what?
We’ll collect information about the plan insured individual’s coverage from the member's plan sponsor.
If there’s any outstanding information required to assess your claim, we’ll let you know either through written letter or phone call.
Once all information is received, we’ll review the claim details along with the member's group life plan’s contractual provisions.
How long does it take to process my claim?
A decision will be made 7 calendar days from the date we receive all necessary information.
Please note: This timeline is intended for standard plans only. Actual timelines might vary based on plan design and claim complexity. Missing information or incomplete applications for benefits may impact processing timelines. We may need to extend the timeline if additional review is needed.
How will I find out if my claim has been accepted?
We’ll provide you with written confirmation of the claim decision (including benefit details).
Appeal details for group life insurance claims
If benefits are denied, you’ll receive a detailed letter with an explanation for the decision. The letter will also include:
- Details on how to appeal the decision
- What information should be included in your appeal
- Where to send the appeal
Appeal level 1
- Once we’ve received all necessary appeal level 1 information, communication will be made within 7 calendar days.
- We’ll review the appeal level 1 information submitted and provide written notification of the appeal outcome.
- If the decision is maintained, information regarding options for the next level appeal will be provided.
Appeal level 2
- The appeal process is deemed final once the second appeal decision is made.
- Any further concerns may be escalated through our customer complaint process.