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| Filing a Claim: Life Insurance (Basic, Optional, Dependent) |
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What are the differences among Life Insurance (Basic, Optional, Dependent)?
- Employee Basic: Employer-paid term life insurance coverage, including an Accelerated Life Benefit, accidental death and dismemberment, and conversion privilege for active employees who are enrolled in a Group Benefits Program health plan. An extended insurance benefit is also included for active employees who become totally disabled prior to age 60. More detailed information is available for active employees.
- Retiree Basic: Employer-paid term life insurance coverage, including an Accelerated Life Benefit and conversion privilege for retirees who are enrolled in a Group Benefits Program health plan. More detailed information is available for retirees.
- Optional: Additional Optional Term Life Insurance for active employees and retirees. You are responsible for paying the cost of Optional Term Life Insurance. This coverage contains a two-year suicide exclusion. More detailed information is available for active employees and retirees.
- Dependent: Term insurance for your spouse and eligible dependent child(ren). Dependent Term Life pays you a benefit in the event of your spouse's or dependent child's death. This coverage contains a two-year suicide exclusion. More detailed information is available for active employees and retirees.
What is the deadline for filing a claim?
Claims for death benefits must be received by Dearborn National within two years of the date of the death.
How do I report the death?
- For an Active or Retired Employee: Contact ERS at (512) 867-7711 or (877) 275-4377; they will provide you with instructions and forms required for filing a claim for benefits.
- For an Active or Retired Employee covered under Extended Insurance Benefit: Contact Dearborn National Customer Service at 1-855-ERS-LIFE (1-855-377-5433).
- For an Active or Retired employee who converted the Group Term Life Insurance to an Individual Life Policy: Contact Dearborn National Customer Service at 1-855-ERS-LIFE (1-855-377-5433).
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What is needed when the death is considered an accident?
When the death may be the result of an accident, additional documents are required. Such additional documents may include one or more of the following: Department of Public Safety accident report, police or incident report, autopsy report, toxicology report, medical records, etc. Other investigative reports may be required based on the specific circumstances regarding the death. Dearborn National will provide you with specific instructions on additional documentation.
What is the time frame to process a life insurance claim check?
Life insurance benefits are issued within 10 days following receipt of all required documents and approval by Dearborn National. To check the status, contact Dearborn National Customer Service at 1-855-ERS-LIFE (1-855-377-5433).
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