What is Extended Life Insurance Benefit (EIB) and who is eligible?
EIB is the continuation of Group Term Life Insurance coverage without payments of premiums for active employees, under the age of 60, who become totally disabled for six continuous months or more and cannot be gainfully employed in any occupation.
How do I file a claim for EIB?
Six months after the onset of your total disability, a completed Extended Life Insurance Benefit claim form is required. All claim forms require information to be provided by three parties: the insured employee, the benefits coordinator, and the attending practitioner. You must complete identifying information in the Employee's Statement and forward the form to your benefits coordinator, who will complete the Employer's Statement and return the form to you. When you receive the form, have your doctor complete the Attending Practitioner's Statement. Then, complete, sign, and date the claim form and forward with all attachments to Dearborn National at the address shown on the claim form. Dearborn National must receive your claim form within 18 months of the onset of your total disability.
Are there any other steps that I am required to do once I am approved for EIB?
You will be required to submit proof of continuing disability at appropriate times based on factors specific to your claim. However, once approved, medical updates may be required at any time. Upon attainment of age 70, no further medical information will be required. However, a claimant update may be requested periodically in order to ensure that information contained in your file is accurate and up-to-date.
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