The beneficiary needs to file a claim. Contact Marsh Voluntary Benefits to request a claim form.

The following documents must be returned to the MetLife Customer Service Center:

After the insurer receives the proper documents and approves the claim, a check will be sent to the beneficiary's home address.

Most checks are normally processed within two weeks after the claim is filed.

There are special rules, procedures and deadlines that apply to appeals of benefit determinations and denied claims and you have special legal rights under ERISA. Please refer to the Administration Information section for a description of the appeal process.