To process your claim, both you and your employer must complete a claim form, along with a claim authorization and physician’s form. Additional forms or documents such as medical and financial information may also be necessary.

The elimination period is the duration of total disability during which benefits are not payable. Your policy will outline the exact length of the elimination period.

For most claims, the first payment is processed 7 days after the end of your elimination period, provided all necessary documentation is received and the claim is approved. Afterward, weekly payments are processed.

Yes! Direct deposit is encouraged for quicker payment delivery.

Yes, you should continue paying your premiums during total disability unless instructed otherwise. Your employer can assist with payment arrangements if needed.

Ensure all forms are completed fully and accurately. Missing or incomplete information may slow down the process.

Our worksite disability coverage only provides benefits for total disability. If you return to work, even on a part-time basis, benefits will cease.