Globe Life And Accident Insurance Company - Claims Filing Instructions

Please note: the claims process varies for different types of products. Therefore, processing times will vary and it may be necessary for us to request additional information in order to process your claim.

For any policy less than 2 years old, the claim will be subject to further review.

Life Claim Filing Instructions

Please accept our condolences for your loss. We aim to make the claims process as efficient and expedient as possible.

 

Submit your claim

Once you have obtained and completed the necessary documents, you are ready to file your claim.

Submit your claim online

Submit your claim online

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070
 
Fax: (405) 270-1496

Submitting Life Claims on Policies Less Than Two Years Old

Complete the Proofs of Death – Claimant Statement in its entirety. Please answer as accurately as possible. Printable claim form can be found here.

Required documentation in addition to Proofs of Death - Claimant Statement:

  • Certified Death Certificate (indicating cause or manner of death) If your benefit amount is $50,000 or less a copy of Death Certificate is allowed
  • Copy of obituary (if available)

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A copy of the coroner’s report

Please provide the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation.

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Submitting Life Claims on Policies More Than Two Years Old

Complete the Proofs of Death – Claimant Statement. Please answer as accurately as possible. Printable claim form can be found here.

Required documentation in addition to Proofs of Death – Claimant Statement:

  • Certified Death Certificate (indicating cause or manner of death) If your benefit amount is $50,000 or less a copy of Death Certificate is allowed
  • Copy of obituary (if available)

For accidental death claims and claims where the manner of death is homicide, please also include the following:

  • Autopsy, toxicology, and police reports
  • A copy of the coroner’s report

Please provide the completed forms, along with the Death Certificate including cause and manner of death, the obituary (if available) and any other supporting documentation.

Once all the required documents are received, they will be reviewed and the claim will be processed. If the claim requires further investigation, additional documents may be requested and the claim will be processed after the investigation has been concluded.

Note: If your policy has been in force more than two years AND your benefit amount is $50,000 or less, you can email or fax the required information to:

Email: claims@globe.life
Fax: (405) 270-1496

If you have questions or need assistance with filing your claim, please contact our Customer Service Department:


To send claim documents email: claims@globe.life
If you have questions about claim status call: (800) 654-5433
Hours of Operation:
7:30am – 6pm Central
Monday – Friday

Life Claims FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

    If the policy has been in force less than two years, it is considered “Contestable” and will be subject to further review, which could increase the processing time.

    For more information about the claims filing process, view the Life Claim Filing Instructions tab.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department at:

    Phone: (800) 654-5433
    Hours of Operation:
    7:30am – 6pm Central
    Monday – Friday
  3. My policy has been in force less than two years, how can I expedite the processing time for my claim?

    The process can be expedited by accurately completing all necessary portions of the claim form, including listing on the Claimant Statement all known medical providers who treated the insured in the last 5 years.

    For more information about the claims filing process, view the Life Claim Filing Instructions tab.

  4. I’m filing a claim for accidental death benefits, how can I expedite the processing time?

    All accidental death benefits, regardless of how long the coverage has been in force, will be investigated to ensure the death meets the criteria of an accident as defined in the policy.

    The process can be expedited by providing copies of the following documents:

    • Completed Claimant Form
    • Certified Death Certificate (including cause and manner of death) If your benefit amount is $50,000 or less a copy of Death Certificate is allowed
    • Obituary (if available)
    • Autopsy, toxicology, and police reports
    • A copy of the coroner’s report
  5. I’m filing a claim where the manner of death of the insured was homicide, how can I expedite the processing time?

    All claims where the manner of death is homicide will be investigated.

    The process can be expedited by providing copies of the following documents along with your completed claim forms, the certified death certificate (including cause and manner of death) and a copy of the obituary (if available):

    • Autopsy, toxicology, and police reports
    • A copy of the coroner’s report
  6. How do you determine who to pay?

    The Application has a section for the policyholder to designate a beneficiary. Through the life of the policy, the policyholder may change the primary beneficiary, add additional beneficiaries, or elect to list a contingent beneficiary under the policy. These changes are reviewed and then recorded in our computer system. It is important to note that we are unable to accept a change in beneficiary designation after the insured has died.

    If no beneficiary is chosen while the policy is in force, or the listed beneficiary(ies) is no longer living at the time of the insured’s death, then the benefit will be issued to the Estate of the Insured.

    If you need to make changes to your beneficiary, please contact our Customer Service Department at (800) 654-5433.

  7. How do I obtain a certified death certificate?

    Certified death certificates have either a raised seal or a multicolored signature seal from the county, city or state that issued the certificate. In addition, the original death certificate should contain the signature of an appropriate officer of the county, city or state. Typically a certified death certificate can be obtained by working through the Funeral Home or at the Department of Health or Vital Statistics of your local Government.

Life Disability/Waiver of Premium Claim Filing Instructions

We understand that unforeseen circumstances can arise. As such, we offer a Waiver of Premium program where you could have some, or all, of your life insurance premiums waived with the benefit amount of your coverage staying the same.

The instructions for submitting a Waiver of Premium claim are as follows:

Initial Waiver of Premium Claim

If you suffer a disability that keeps you from maintaining employment and this is the first time you are applying for premium waiver, please print and fill out the entire claim form and send it in along with your disability declaration letter from the Social Security office to the following address:

Globe Life & Accident
Claims Division
PO Box 8076
McKinney, TX 75070

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding any potential assistance for which you are qualified.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Waiver of Premium Continuance Claim

If you are filing a request for the continuance of Waiver of Premium benefits, you must complete Page 2 of the claim form and have your Physician complete Page 3. Please submit the completed documentation to the following address:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Click here for the printable claim form.

Once we receive the documentation, a Claims Analyst will review it and follow up with you regarding the continuance of your Waiver of Premium benefits.

Please note: if you qualify for Waiver of Premium benefits, you will be required to provide continued proof of disability at regular intervals, which we will request in writing. After two years of continued disability, we will not require such proof more than once a year.

Accident / Health / Physician Expense Claim Filing Instructions

Submitting an Accident, Health or Physician Expense Claim:

Please send a copy of the UB-04 (from Hospital) or the 1500 health insurance claim form (from Doctors office) and any itemized medical bills you would like to have considered for payment. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the form. The following examples are for illustration only.

Please mail the completed documentation to the following address:

Globe Life & Accident
Life Claims Division
PO Box 8076
McKinney, TX 75070

Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received as defined by your policy from a qualified institution as defined by the policy. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department:

Phone: 1 (800) 654-5433
Hours of Operation:
7:30am ‐ 6pm Central
Monday ‐ Friday

Medicare Supplement Claim Filing Instructions

Required Forms

If the claim is filed by a hospital:

  • Universal Billing (UB-04) with copy of Medicare Remittance Advice

If the claim is filed by all other healthcare providers:

  • CMS-1500 with copy of Medicare Explanation of Benefits form

If the claim is filed by the insured:

  • Medicare Summary Notice

Send To

Globe Life And Accident Insurance Company
Attn: Medicare Claims
PO Box 8080
McKinney, TX 75070-8080

Fax: (972) 569-3709

Accident / Health / Physician Expense Claims FAQs

  1. How long does it take to process a claim?

    If the policy has been in force for longer than two years, it is considered “Incontestable,” which means it will be paid as soon as all of the required documents are received and examined.

  2. Once my claim has been processed, how long will it take to receive my check?

    Typically, you will receive your check within 10 - 15 business days from the time your claim was processed. If you haven’t received your check within 30 days of the date your claim was processed, please contact our Customer Service Department at:

    Phone: (800) 654-5433
    Hours of Operation:
    7:30am – 6pm Central
    Monday – Friday
  3. What is the difference between a Link to file name "UB-04" and a Link to file name "1500 Health Insurance Claim Form"?

    A UB-04 is typically a summary associated with hospital stays. A 1500 Health Insurance Claim Form is normally associated with clinic or physician visits. These forms are completed by and obtained from the provider in which the treatment was sought. The form numbers can be found at the bottom of the page.

  4. Why do we require both a UB-04 and itemized medical billing statements with some health plan claims?

    The UB-04 has information on it that is not always on the itemized medical billings or other summaries, i.e. diagnosis and procedural codes.

  5. Why is additional verification via medical narratives (Doctor’s Notes) requested on some accident claims?

    Many times the UB-04 or 1500 Health Insurance Claim Form will include diagnosis codes; however, these codes are not always fully descriptive of why the visit to the ER or physician took place. Narratives from those visits are helpful as they go into more detail of the observations and conversations that took place during the diagnosis and treatment of the injury. You can request a copy from the treatment facility.

  6. Is there a time frame in which treatment must be received after an Accidental Bodily Injury?

    Yes! The benefit for an accidental bodily injury is payable to an insured as long as the treatment is received as defined by your policy from a qualified institution. ALWAYS REFER BACK TO YOUR POLICY FOR FURTHER INFORMATION REGARDING BENEFIT QUALIFICATIONS.

 
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