Disability Insurance: How To File The Claim Form

Many employers will want you to submit the physician's and your portion of the form to the employer so the employer can file the form with the insurance company. This is particularly the case with group policies. If possible, it is advisable to resist this. It will give your employer all the details of your disability - more than the employer needs to know and more than you may want known. You will also probably not know for sure when the claim has been filed with the insurance company. Some claim forms have been known to spend a couple of months on a personnel clerk's desk.

If you file the form yourself, you will get to check what the employer and your doctor said to be sure the information is accurate and complete. You'll also be in control of what is attached to the form, and when it is sent.  

If the employer insists on filing the claim, ask that a copy of their portion of the claim form be mailed to you. At least you’ll know the form was sent. You’ll also have the information to check for accuracy, and a copy for your files.

If you file the form, click here to learn the best procedure.

Whether the employer or you files the claim form, it is advisable to follow-up with the insurance company after the claim is filed. To learn more, see: Disability Insurance: Claim Follow Up.

NOTE: If you haven't completed the claims form yet, see Disability Insurance: How To Complete The Claim Form.

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