Content Overview 
Disability Insurance: How To File The Claim Form
How To File A Disability Insurance Claim Form
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Once all portions of the claim form are completed and you have reviewed all of the sections, including the employer's and the physician's:
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Assemble all the different portions of the claim form yourself - including the portion from your doctor and your employer.
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If you have a Symptoms Diary, photocopy or download the relevant pages to attach to your claim form. If you don't have a symptom diary to submit with the original claim, this is a good time to start keeping one in case you need to appeal a denial.
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Prepare a cover note addressed to the insurance carrier such as the following:
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Your return address
Date
XYZ Insurance Company Att.: Disability Claims Department RE: Your name
Dear Claims Representative: Enclosed is your form (insert name and/or form number), by which I am filing for benefits under the above disability policy. Also enclosed are (describe each attachment or exhibit). Please process the enclosed at your earliest convenience. If you have any questions, or if you need additional information please do not hesitate to call me at (provide daytime telephone number).
Very truly yours,
(Your name)
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Make a photocopy of the cover note and all parts of the completed form and attachments. If you have group coverage, consider making a second copy of all enclosures for your employer.
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Send the originals to the insurance company in a manner that provides a receipt, such as by overnight or by certified mail, return receipt requested.
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