To get a claim form, you or your beneficiary should contact the Claims Administrator and return the form as it instructs.

When returning the completed claim form, the following must be included:

To be covered, the loss has to occur within 365 days of the accident.

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

Most claims 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 Administrative Information section for a description of the appeal process.