How do I submit a benefits claim if I have coverage through an advisor?
Here’s everything you need to know about submitting a claim if you have products through an advisor and what happens after you submit it.
This information applies to the following coverages:
- Disability or critical illness benefits
- Life insurance benefits
- Wealth products like retirement savings and investments
- Freedom to Choose™ health and dental insurance
What forms do I need?
You’ll need to complete and submit the appropriate form depending on your claim.
Disability or critical illness claim forms will have 2 parts: Your information and a physician report.
For Freedom to Choose health and dental insurance, make sure you attach all the original receipts that support your claim. We don’t accept photocopies. We won’t be able to return your receipts, but we will provide you with a copy of the explanation of benefits for your records. Learn more about how to process Freedom to Choose claims.
What are the submission timelines?
Submit your claim as soon as possible.
For Freedom to Choose health and dental claims, you must submit your claim within 15 months from the date you received the service or supply.
You can contact Canada Life through your advisor. Or if you need any further assistance, in Canada or the US you can call us toll-free 1-888-252-1847. TTY to Voice. 7117 1 1. Voice to TTY: 1-800-855-0511.
My form is complete and submitted. Now what?
We’ll assign an examiner to review your claim. They’ll contact you if they need more information.
When will a decision be made about my claim?
The majority of claims are settled within one month. If they do need more information, it may take longer. Complex claims may need more review time.
How will I be notified about the decision and when will I receive payment?
We’ll provide you with confirmation of the claim decision, including details of your claim decision and next steps.
Information for residents of Saskatchewan
If you reside in the province of Saskatchewan, the contact information for the Superintendent of Insurance is:
Superintendent of Insurance
Insurance and Real Estate Division
Financial and Consumer Affairs Authority
Suite 601, 1919 Saskatchewan Drive
Regina, Saskatchewan S4P 4H2
Phone: (306) 787-6700
Fax: (306) 787-9006
Email:fid@gov.sk.ca