Life and Disability Claims

Call us before you file

Life and disability claims are usually filed at the worst possible time. Call the office first at 508-366-4894 and we will tell you which forms the carrier needs, in what order, and where to send them. Filing directly is always your right, but there is no reason to do the paperwork alone.

What to have ready

• The policy number, or the insured’s name and date of birth if the policy number is not at hand.
• For a life claim: certified copies of the death certificate and the beneficiary’s contact details.
• For a disability claim: the date the condition began, your treating physician’s contact details, and your employer’s HR or disability contact.
• Any paperwork the employer or doctor has already given you, even if it looks incomplete.

What happens after you call

We notify the carrier, confirm the policy is in force and that the beneficiary designation is current, and track the claim until a decision is issued. If the carrier asks for records that do not exist, or denies the claim, we will tell you what the policy actually says and what the next step is.

Disability policies differ on the definition of disability, the elimination period and whether benefits are taxable. Those three details decide most claims, and they are worth reviewing before you file rather than after.