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Claims Resources

Claims Resources

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When you claim your insurance benefits, you take important steps toward securing your financial future.

Whether you’re filing for a life insurance claim, a long-term care benefit or a disability claim, we’re here to help guide you through the process. Please reach out to us by phone or email using the contact information below. We’re here to listen, answer your questions, help you sort through the paperwork and put your claim in action.

It’s our mission to deliver on our promises—and to be here when you need us most. 

 

Important Notice For Illinois Policyholders Impacted By The July 2017 Flooding

 

Web Content Viewer (JSR 286)

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Individual life or annuity policies purchased from a financial professional.

Contact Information

Toll-Free: 1-800-833-5569

Phone: (317) 285-5592

Fax: (317) 285-1344

Claims.Ind@oneamerica.com

Frequently Asked Questions

1. How do I file a death claim?

2. If I need assistance in completing the claim forms, who should I call?

3. When should the death claim be filed?

4. What information should be submitted with the death claim?

5. Does the beneficiary need to sign the claim form?

6. When can the beneficiary expect to hear from OneAmerica® regarding the claim?

7. How can I check the status of a death claim?

8. If the insured person and an insured dependent passed away at the same time, do I need to submit separate claim forms?

9. If the cause of death is listed as “pending” on the certified death certificate, should the claim be filed?

10. If there is an error in the information on the certified death certificate, what actions should the beneficiary take to obtain a corrected certified death certificate?

Don't see your question. More questions answered here

 


1. If an insured person passes away, you may file the claim by email, fax, telephone or U.S. mail using the contact information below:

Telephone:         1-800-833-5569
Email:                  claims.ind@oneamerica.com
Fax:                      317-285-1344
Mail:                     OneAmerica® Financial Partners
                              PO Box 6008
                              Indianapolis IN 46206-6008

The caller will need to provide general information about the deceased, their death and the policy, if known.  Usually, the following information is needed:

  • Name of Insured
  • Policy Number/Contract Number
  • Insured/Owner/Annuitant’s Date of Birth
  • Insured/Owner/Annuitant’s Date of Death
  • Manner/Cause of Death
  • Name of Beneficiary
  • Address for Beneficiary
  • Contact Number

2. We have Service Representatives available from 8 a.m. to 5 p.m. ET Monday-Friday at 1-800-833-5569 who can assist you in completing the Life Insurance Claims Packet or the Deferred Annuity Claims Packet

3. The death claim should be filed as soon as a certified death certificate is issued.

4. The following items should be submitted with the completed Life Insurance Claims Packet  or the Deferred Annuity Claims Packet:

  • A certified death certificate
  • The completed Claimant’s Statement
  • Original policy/contract , if available

5. Yes, the owner or beneficiary will need to sign the claim form.

6. Upon receipt of a claim, OneAmerica® will mail an acknowledgement letter to the owner/beneficiary. The beneficiary will be advised in writing and by phone if any additional claim requirements are needed.  Our goal is to complete processing of the claim as quickly as possible after receipt of all claim requirements.  This typically occurs within 5 business days.

7. To check the claim status for an Individual Life and Annuity claim, OneAmerica® service representatives are available from 8 a.m. to 5 p.m. ET Monday-Friday at 1-800-833-5569.  A message may be left after 5 p.m. ET and you may expect your call to be returned by 10 a.m. ET the following business day.

8. Yes, separate claim forms are required for each deceased person.

9. Yes; we will correspond with the named beneficiary to obtain the final certified death certificate, which lists the cause and manner of death, once it becomes available.

10. Beneficiaries should contact the funeral director or the state public vital records/statistics office to obtain a corrected certified death certificate.  The claim cannot be processed with an incorrect certified death certificate (example: incorrect Social Security Number, date of birth, etc.)

Long-term care insurance policies purchased from a financial professional.

Contact Information

Toll-Free: 1-800-275-5101 (select option 3)

Phone: (317) 285-5101

Fax: (317) 285-5239

longtermcareclaims.ind@oneamerica.com


Frequently Asked Questions

1. How do I file a long-term care claim?

2. Where should I send my notice of claim (if I don't want to call) and the other completed claim documents?

3. What happens after I file my claim?

4. How is my claim approved?

5. What types of claims are eligible to be paid?

6. When will I know if my claim is approved?

7. What is the waiting period?

8. Must the elimination/waiting period be satisfied before a long-term care insurance claim is filed?

9. How often will the claim be reassessed after it has been initially approved for long-term care benefits?

10. What happens if I change to a different provider after my claim is approved?

11. What if I have granted a power of attorney or have a guardian or conservator?


1. Call our long-term care specialists right away. Start early so you know in advance what expenses will be covered.

Call toll free to 1-800-275-5101, option 3, Monday through Friday, 8 a.m. to 5 p.m. ET.

Have this information ready when you call:

  • Policy number(s)
  • The name, address, and phone number of insured’s physician(s)
  • The name, address, and phone number of insured’s long-term care provider(s)
  • Type of service(s) the insured will be receiving (home health care, assisted living, and/or skilled nursing)
  • The first date long-term care services were or will be received
  • Why the insured is receiving long-term care services

After the call, the long-term care specialist will send forms to be completed and returned. We will take care of sending the forms to the physician and care provider.

Attached is a list of these forms and who should complete the form. To expedite the paperwork process, you can download and complete the EFT Authorization, Power of Attorney Affidavit, and Trust Affidavit. Because most of our claim forms are specific to the type of policy you have, the long-term care specialist will send you the remaining forms to ensure correct documentation is completed.

Anyone may initiate a claim on behalf of the insured. To protect the privacy of the insured, OneAmerica can release contract and policy information only to the:

  • policyowner
  • claimant’s validated legal representative; and/or
  • policyowner’s active broker/agent of record (excluding medical information)

2. You can send the completed forms one of three ways:

Mail: OneAmerica Financial Partners, Inc.

Long-Term Care Claims
P.O. Box 6008
Indianapolis, IN 46206-6008

Fax: (317) 285-5239

Email: LongTermCareClaims.ind@oneamerica.com

3. Your long-term care claims specialist reviews your claim. Your specialist works directly with you throughout the review. We cannot complete the review until all the forms and other information from your providers is returned to us.

We will ask your provider for the following:

  • a completed Plan of Care, signed and dated by a licensed health care practitioner
  • the physical and/or mental assessment completed by the provider
  • the completed provider form

If we need additional information before your claim can be approved, we will let you know. Such information can include:

  • Physician and/or hospital records
  • Care provider notes
  • Independent on-site assessment
  • Cognitive testing results

4. Your policy specifies all the requirements that must be met for claim approval. We understand that the process may seem confusing and complicated to you. Call your long-term care claim specialist to discuss those requirements with you any time you wish.

Generally, those requirements are that:

  • the insured is “chronically ill”;
  • the care provider is licensed, and if the state does not license, the provider meets the other policy requirements;
  • the care is provided pursuant to a “plan of care;” and
  • the waiting period has been met.

We can explain the other policy requirements to you as they become relevant or when you have specific concerns or questions.

5. Refer to your policy for a description of what type of care your policy covers, such as home health care or care provided in long-term care facilities, assisted living facilities, or other facilities. You may also call 1-800-275-5101 to discuss your policy benefits with a long-term care claim specialist.

6. Claim approval time varies, depending on how long it takes for the completed forms to be returned. Each claim is unique and depends upon your providers submitting specific and complete information, so we can’t predict with certainty how long the process will take. Your specialist will keep in touch with you throughout the claim review process.

7. Benefits are not payable for long-term care services rendered during the waiting period. The waiting period is listed in your policy.  (Your policy might use the term “elimination period” instead of waiting period.)

8. No. Begin the claims process as soon as you can.

9. Reassessment generally occurs yearly.  If circumstances change then a reassessment may occur more frequently, for instance if the provider or care changes.

10. Contact us before or early in the process of changing providers so that we can determine if the new provider will meet policy requirements. Your long-term care claim specialist will contact the new care provider to gather the needed information.

11. We can work directly with your attorney-in-fact, guardian or conservator once we receive documentation of that person’s status.

Life and/or disability insurance purchased through a participating employer group.

Contact Information

Life or Life Waiver of Premium Claim

Toll-free: 1-800-553-3522

Phone:  (317) 285-5002

Fax: (317) 285-7663

lifeclaims.employeebenefits@oneamerica.com

WaiverofPremium.Grp@oneamerica.com

Disability Claims

Toll-free: 1-855-517-6365

Fax: (844) 287-9499

OneAmerica.claims@customdisability.com


Life Claims Frequently Asked Questions

1. How do I file a life claim for insurance provided through an employer?

2. If the employer needs assistance in completing the claim forms, who should they call?

3. When should the death claim be filed?

4. What information should be submitted with the death claim?

5. When can the beneficiary expect to hear from OneAmerica® regarding the claim?

Don't see your question. More questions answered here

 


1. When/if an insured employee or their dependent passes away, the insured’s employer should be notified.

Usually the employer requires the following information:

  • Name of Deceased
  • Deceased’s Date of Birth
  • Deceased’s Date of Death
  • Certified Death Certificate
  • Name of Beneficiary
  • Address for Beneficiary
  • Telephone Number for Beneficiary
  • E-mail address for Beneficiary      

The employer will initiate the claim by completing the claim form and submitting the required proof of death claim documents to OneAmerica. The employer may submit the claim by email, fax or U.S. mail using the contact information provided.

2. A OneAmerica Claim Representative is available from 8 a.m.-5 p.m. ET Monday through Friday at 1-800-553-3522 for assistance in completing the Group Life Insurance Claim Packet.

3. The death claim should be filed as soon as a certified death certificate is issued, but no later than one (1) year from the date of death of the deceased.

4. The following claim requirements should be submitted with the completed Group Life Insurance Claim Packet:

  • A certified death certificate
  • Insured employee’s enrollment information (e.g., initial enrollment form/card, electronic enrollment verifications)
  • The most current Guaranteed Increase in Benefit enrollment form, if applicable
  • All beneficiary designations

5. Upon receipt of a claim, OneAmerica will mail an acknowledgement letter to the beneficiary. The beneficiary will be advised in writing and by phone if any additional claim requirements are needed. Our goal is to complete processing of the claim as quickly as possible after receipt of all claim requirements. This typically occurs within five (5) business days.


Disability Frequently Asked Questions

1. How do I file a disability claim?

2. If I or my employer needs assistance in completing the claim forms, who should be contacted?

3. Who may submit my disability claim?

4. When should I file my disability claim?

5. What paperwork needs to be submitted with my disability claim?

Don't see your question. More questions answered here

 


1. Your disability claim can be submitted via phone, email, fax, or mail using the contact information provided.

2. Call Center representatives are available to assist with any claim questions during the hours of 8 a.m.-6 p.m. ET, Monday through Friday. Messages can be left after hours for a call back the next business day.

3. Your claim may be submitted by:

  • You
  • Your Employer
  • A third-party representative (e.g., spouse, another adult family member, attorney, or friend): To authorize a third-party, you must complete, sign, and return a Third Party Representative Authorization form. We will not be able to speak to your representative until we have receive your signed authorization.

4. You should file your disability claim as soon as you or your medical provider believes your disability will extend beyond your policy’s elimination period. You may submit the claim during your policies’ defined elimination period.

5. If you submit your claim via telephone, we will inform you of what is needed. If you submit your claim via paper, email or fax, the following disability claim forms must be completed and submitted:

  • Employee Statement
  • HIPAA Authorization
  • Attending Physician’s Statement (Not required for non-complicated maternity claims)
  • Policyholder Statement

If additional information is needed, a claim representative will notify you.

Web Content Viewer (JSR 286)

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Web Content Viewer (JSR 286)

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The OneAmerica guide to receiving long-term care

Our Care Solutions guide to help you navigate the path to long-term care.

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OneAmerica's Guide to Managing Life After Loss

A roadmap for items to consider and the process for taking care of what needs to happen following a loss.

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