Frequently Asked Questions About Filing a Disability Claim

If a medical underwriter needs to review your Medical History Statement, please allow up to 8 weeks for a final decision. Timelines can vary based on what other information we need and how quickly we receive that information. If we need more information from you, we'll contact you via the communication preference you chose (either email or mail). Once we've received complete information, we will generate a decision notice and send it by mail.

If you are applying for spouse coverage, your spouse must complete the Medical History Statement. The “Member” fields refer to your information, and your spouse may need your help completing those fields. The “Applicant” fields and medical history questions refer to your spouse. Your spouse must also electronically sign their own medical history statement and agree to all terms before submitting.

As part of our medical underwriting review, we may ask your attending physician to provide medical records. Our vendor, ReleasePoint, will obtain copies of your records on our behalf. If we need more details, one of our medical underwriters will send further instructions by mail.

As part of our medical underwriting review, we may request an examination, blood test, and/or urinalysis. Paramedical exams are completed by our vendor, ExamOne. If needed, one of our medical underwriters will notify you of the details and provide further instructions by mail.

To ensure your confidentiality, we encrypt all information you submit through this site. We restrict access to your information to only those employees who need it to provide products or services to you. Please read our privacy policy for more details.

For questions about your application, you can send a message to Medical Underwriting or call 800.843.7979. We're available Monday through Friday, 6 a.m. – 5 p.m. Pacific time.

For questions about your benefits, please contact your benefits administrator (HR team).