A completed claim form and, in most cases, a certified death certificate.

There is no perfect way to handle a loved one’s passing. This Learning Center article intended to help you navigate some financial aspects of caring for an estate. We encourage you to take the time to work through these items, as due to their nature, some may take several months. View the Life Claims Beneficiary Checklist

Benefits are paid directly to the named beneficiary of the policy on file with Illinois Mutual.

Once all required documentation has been received, most benefits are processed within 10 to 14 business days.

Yes! Direct deposit is available for life insurance benefits and is encouraged for faster payment delivery.

A completed claimant’s form, claim authorization and physician’s form will be required. In addition, other forms and/or information, such as medical or financial documentation and employment verification, may also be required (depending on the policy and type of coverage).

The number of continuous days you must be disabled before benefits begin to accrue and become payable. Check your policy schedule page for the elimination period on your coverage. No benefits are payable for the elimination period, unless stated so in the policy.

Your first benefit payment would be due 30 days after the end of your elimination period, provided all necessary information has been received. Thereafter, additional forms may be required to evaluate benefits every 30 days.

Here is an example of the typical timing of your first monthly benefit, if you were approved for a disability claim on a policy with a 30-day elimination period:

• Date of Disability: April 1

• Elimination Period Ends: April 30

• Benefits Begin to Accrue: May 1

• First Monthly Benefit Due: June 1

Yes! Direct deposit is available for DI benefits and is encouraged for faster payment delivery.

We will require a completed claim form, which you and your employer will complete, a claim authorization and a physician’s form. In addition, other forms and/or information such as medical or financial documentation may be required.

The elimination period is the initial period of total disability during which no benefits are payable. Your Schedule will indicate the number of days that are eliminated.

Most first payments are processed 7 days (1 week) after the end of your elimination period, provided all necessary information has been received and your claim has been approved. Thereafter, weekly benefits will be processed until additional forms are required for verification of continued total disability.

Yes! Direct deposit is encouraged for faster payment delivery.

Yes, After total disability starts, you should continue to pay your premiums until we advise you otherwise. Your employer might discuss how you can make premium payments while you are totally disabled.

It is imperative that all requested information is completed in its entirety. Incomplete, missing, or illegible information may increase the processing time of your claim.

Note: Claims that are filed within the first 2 years of coverage may be subject to additional information and processing time.

The worksite (VSTD) group disability coverage provides benefits for total disability. If you return to work in any capacity, benefits will cease.

We require documentation that includes a diagnosis and verifies treatment was the result of a Covered Accident, as defined in the policy.

Examples include:

• After Visit Summary/Discharge Paperwork

• Emergency Room Report

• Treatment/Office Notes

• Ambulance Report

• Operative Report, if surgery was performed

• Diagnostic Testing Reports

• If admitted and confined to a hospital, an itemized bill is required that includes room charges and the number of days the covered person was in the hospital.

Once all required documentation has been received, most benefits are processed within 3 to 5 business days.

Log into our My Policy portal to file your online accident wellness claim. You can also download a claim form to mail, email or fax to us. If you have further questions, or assistance is needed, contact a claims representative to personally assist you.

Direct Deposit is not available on Accident policies (or wellness claims) at this time.

The covered critical illnesses are listed on the Schedule Page of your policy. Please refer to your policy schedule, or call or email our Claims Department, for details and answers to any further questions.

Since covered critical illnesses under your policy need to meet certain criteria, in addition to required claim forms, your physician will also need to provide medical documentation to support the claimed critical illness. The specific documentation needed is outlined on the Critical Illness Attending Physician’s Statement.

Yes! Direct deposit is available for critical illness benefits and is encouraged for faster payment delivery.