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Disability insurance claim form instructions Canada
The claim form should be completed in the following manner and returned to our office at your earliest convenience:
1. Insureds statement fully completed by you.
2. The attending physician's statement fully completed by your current treating physician.
To ensure that your claim is processed quickly, please verify that all sections of the claim form are fully completed including the exact date you were first unable to work. Please write your account number on all attached documentation and return the claim form to us in the envelope provided. By furnishing this form, our company does not waive any rights to deny a claim, or form positions with respect to any claim. Customers are responsible for their monthly payments while their claim is being reviewed by the insurance company. We will require updated claim information every thirty days if your claim is approved. You may FAX this form to 1-866-952-0307 or mail it to the address shown on your claim form.
Life insurance claim form instructions Canada
There is no life claim form to complete. For life claims on loan amounts over $10,000, an original or certified copy of the death certificate must be submitted. A photocopy of the death certificate will be acceptable for loan amounts up to $10,000 only. For any life claim which occurred within two years of the effective date of insurance, the claimant must also submit the cause of death. If the cause of death is not included on the death certificate, the claimant may submit a coroner's declaration, a medical examiner's report or an attending physician's statement as documentation of the cause of death. You may mail your information to HSBC Insurance Services Claims Department, P.O. Box 911, New Castle, DE 19720.
Unemployment and Property claim form instructions Canada
Involuntary unemployment and property claims are processed by the Assurant Group, formerly known as American Bankers Insurance Group. Involuntary unemployment and property claims must be obtained from Assurant Group by calling: 1-800-361-5344 (for English) or 1-800-661-5800 (for French).
Frequently Asked Questions (FAQs)
What is the waiting period for my policy?
Refer to your policy or terms and conditions or contact your Branch office for a copy of your policy.
What is the 1099 tax form for and why did I receive this form?
The Federal Govt. may require HSBC Insurance to report Involuntary Unemployment benefits and interest payments exceeding $600 in a calendar year.
I received a check, but it is endorsed to the Estate. How do I get it changed to my name?
Please request an affidavit to be completed and notarized.
Why is my monthly benefit amount different from my monthly payment?
You may have taken out an advance before the claim was approved or may have refinanced into new loan. Insurance only represents the terms of the old loan.
Is the Letter of Determination from the unemployment office sufficient proof of unemployment?
No, you must show either unemployment stubs or a computer printout of ALL benefits received. A link should go directly to the instruction section of the forms for all benefits (i.e., unemployment, disability, death)
I live in Canada and doctors do not use ICD Codes, what can they send?
The doctor can write out the actual diagnosis.
What is the average turn-around time for faxes or mail?
You should receive a response approximately 7-10 business days from the day your claim form or inquiry is received.
Can I send my Social Security Disability Award letter as proof of disability?
No. For disability benefits, we require either a fully completed claim or benefit activation form, or a signed statement from your physician on the physicians letterhead.
If my claim is on autopay, when will I receive continuation forms so that my benefits dont lapse?
We will send you a continuing claim form on the last auto-pay.
If I am trying to file a death claim for a family member, do I have to put my social security number on the claim form?
No, we only require the social security number of the deceased individual.
Can I fax the death certificate?
The administrator requires either the original or a certified copy of the death certificate.
After the claim is processed, how do I have the death certificate returned to me?
Please send a written request to the administrator, along with all pertinent documents, indicating the exact address where the death certificate should be sent.
Once they have exhausted, how do I show proof of my unemployment benefits?
You must submit a statement from the unemployment office or a certified employment agency indicating that you are still unemployed and registered for work.
Common Terms & Definitions
24 MONTHS CRITICAL PERIOD:
The number of months the policy will consider benefits.
36 MONTHS CRITICAL PERIOD:
The number of months the policy will consider benefits.
AUTHORIZED USER:
The person who is authorized to make purchases on the line of credit.
AUTOMATIC MONTHLY PAYMENT:
The payment posts to the account automatically.
BENEFICIARY:
A person designated as the recipient of funds or benefits.
CLAIMANT:
Someone who claims a benefit.
DIAGNOSIS:
The identification by a medical provider of a condition, disease, or injury.
EFFECTIVE DATE:
The date on which coverage becomes enforced.
HIGHEST WAGE EARNER:
The person in the household who makes the highest wages.
PRE-EXISTING:
Treatment prior to the effective date of coverage or advance.
POLICY:
A written contract or certificate of insurance.
PRIOR LOAN TERMS:
The prior loan had insurance and the current loan is written consecutive with insurance.