Globe Life Family Heritage Division Claims

When you are faced with the unexpected, we are here to help.

File an Accident Claim

 

Accident Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

  • Accident Claim Form (download and print if mailing or faxing your claim)
  • Physician's Statement completed by the physician (download and print) If you are not able to have this form completed and signed by a physician, a copy of the complete medical records (available from the medical facility) indicating the cause and treatment of the accidental injury must be submitted. Please do not send patient discharge instructions.
  • Complete, itemized hospital bill listing the daily room charges (for inpatient hospitalizations) and emergency room charges Itemized hospital bill example
    UB-04 bill example
  • X-ray report(s) or medical records (MRI, CT scan, etc.) diagnosing the fracture(s)
  • Ambulance bill
  • Operative Report (if the policy includes a Surgery Benefit)
  • Itemized physical therapy bills
  • Accident and police reports
  • Alcohol and toxicology reports
  • Applicable medical records/reports for other benefits that may apply (Dismemberment, Paralysis, Dislocation, Concussion, Coma, etc.) Please refer to your policy for specific benefits as these may vary.
  • Lodging statement or invoice that includes the room charges for each day
  • Any other itemized medical bills, medical records, or supporting documents 1500 HCFA statement example

Accidental Death Claims also require:

  • Original, certified death certificate (must be submitted by mail only)
  • Autopsy report and certified copy of the coroner's report
  • News articles and reports
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

For accidental death claims, the original, certified death certificate is required and must be submitted by mail.

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File a Cancer Claim

 

Cancer Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

First Occurence Claim

File when first diagnosed with internal cancer.

  • First Occurence Cancer Claim Form (download and print if mailing or faxing your claim)
  • Physician's Statement completed by the physician (download and print)
  • Pathology Report with the positive cancer diagnosis Pathology Report example
  • Medical records for a clinical diagnosis of cancer (examples include results of a CT scan, MRI, or ultrasound, and consultation reports of the cancer diagnosis and treatment)
  • Biopsy/surgery bill from the surgeon's office (this should include the five-digit CPT medical billing code)
 

Cancer Claim

File after the First Occurrence claim and for skin cancer.

  • Itemized chemotherapy/radiation bills This should include the patient's name, drug name, charges/cost and the dates of each treatment or the dates the prescriptions were filled.
  • Pharmacy and prescription bills/receipts This should include the patient's name, drug name, charges/cost and the dates of each treatment or the dates the prescriptions were filled.
  • Any other itemized medical bills, medical records, or supporting documents 1500 HCFA statement example

Transportation and Lodging Claim

  • Travel log form (download and print)
  • Medical records for the consultation visit
  • Itemized medical bills for the consultation visit and/or treatments
  • Lodging statement or invoice that includes the room charges for each day (for inpatient hospitalizations only)
  • Flight/itinerary invoices
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File a Cancer/Heart Screening or Wellness Claim

 

Cancer Screening (Early Detection), Healthy Heart, or Wellness Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents for your claim:

  • Medical records, medical report results, or an itemized bill that includes the following:
    • Patient/Claimant's full name
    • Date of service
    • Name of the screening test or description of the service
    • For covered children, please provide the child's date of birth
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File a Heart or Stroke Claim

 

Heart or Stroke Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

Heart or Stroke Claim

  • Heart Claim Form (download and print if mailing or faxing your claim)
  • Physician's Statement completed by the physician (download and print)
  • Medical records with the heart disease, heart attack, or stroke diagnosis Examples include a catheterization report, medical test results, hospital admission and discharge summaries, or MRI and CT scan reports. These can be obtained from the diagnosing/treating physician or the facility's medical records department.
  • Complete, itemized hospital bill listing the daily room charges Itemized hospital bill example
    UB-04 bill example
  • Ambulance bill
  • Surgery bill from the surgeon's office (this should include the five-digit CPT medical billing code)
  • Itemized physical therapy bills
  • Any other itemized medical bills, medical records, or supporting documents 1500 HCFA statement example

Transportation and Lodging Claim

  • Travel log form (download and print)
  • Medical records for the consultation visit
  • Itemized medical bills for the consultation visit and/or treatments
  • Lodging statement or invoice that includes the room charges for each day (for inpatient hospitalizations only)
  • Flight/itinerary invoices
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File a Hospital Indemnity Claim

 

Hospital Indemnity Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File an ICU Claim

 

Intensive Care Unit (ICU) Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policyholder's Name and Address
  • Policyholder's Date of Birth
  • Policyholder's Phone Number

To file a claim, you will need:

  • Patient/Claimant's Name
  • Patient/Claimant's Date of Birth
  • Patient/Claimant's Relationship to the Policyholder
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

Accidental Death Claims also require:

  • Original, certified death certificate (must be submitted by mail only)
  • Autopsy report and certified copy of the coroner's report
  • News articles and reports
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

For accidental death claims, the original, certified death certificate is required and must be submitted by mail.

We are not able to use Explanation of Benefits (EOB) forms from other insurance companies to process claims. Itemized bills are required which are available from the medical providers of service and medical facilities.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

Please refer to your policy for specific benefits as these may vary.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

File a Life Claim

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

 

Life Claim Checklist

Download PDF

Globe Life Family Heritage is dedicated to making your claim filing as easy as possible. This checklist is designed to guide you with filing your claim. Our claims professionals are also available to assist you through the claims process. If you need assistance, please contact us.

Before you start, you will need:

  • Policy Number
  • Policy Owner's Name
  • Insured's Name and Address
  • Insured's Date of Birth
  • Agent Number

To file a claim, you will need:

  • Beneficiary/Claimant's Name and Address
  • Beneficiary/Claimant's Date of Birth
  • Beneficiary/Claimant's Phone Number
  • Beneficiary/Claimant's Relationship to the Insured
  • Supporting Documents

Please obtain the following supporting documents if applicable to your claim:

Life Claim

  • Life Claim Form (download and print if mailing or faxing your claim)
    • For policies less than 2 years old, complete the claim form in its entirety
    • For policies more than 2 years old, complete sections 1, 2, and 4 only
  • Original, certified death certificate (must be submitted by mail only)
  • Obituary (if available)
  • The original policy (if lost or destroyed, you must certify this on a separate sheet of paper)
  • Documentation of insured or beneficiary name change

Accidental Death Claims also require:

  • Accident and police reports
  • Alcohol and toxicology reports
  • Autopsy report and certified copy of the coroner's report
  • News articles and reports
 

Submit your claim

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

Submit an eClaim

Follow the prompts once you reach the eClaims portal.

Submit an eClaim

Submit your claim via mail or fax

Obtain all documents and mail or fax to:

Globe Life Family Heritage Division
ATTN: Claims Department
P.O. Box 470608
Cleveland, OH 44147

Fax: (440) 922-5152
 

Important Notes

The original, certified death certificate is required and must be submitted by mail.

If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

 

Contact Us

If you have questions or need assistance with filing your claim, please contact our Customer Service Department online or call (440) 922-5151.

Health and Accident Claims FAQs

Here you will find answers to general claims filing questions. If you have questions or need assistance with filing your claim, please contact our Claims Department at (440) 922-5151

  1. How do you submit a claim for the Wellness Benefit, Early Detection Benefit, Screening, or Healthy Heart Benefit?

    No claim form is necessary. Simply mail, fax, or submit electronically a copy of your medical report/results or an itemized bill that includes the patient's full name, date of service, name of the screening test, or a description of the service. Include the Policyowner's/Certificate holder's full name, and policy/certificate number. For covered children, please also include their date of birth.

    Please do not send Explanation of Benefits (EOB) forms from other insurance companies as we are not able to use these to process claims.

  2. How do I submit or file a claim?

    You can submit a claim electronically through our website, by fax, or by mail. For faster filing, we recommend submitting your claim electronically where you can easily upload your supporting documents.

    Locate your specific type of health claim under "Health and Accident Insurance Claims" for the required documents that are needed in order to process your claim.

  3. Where can I find my policy/certificate number?

    Your policy/certificate number is located on your policy documents that were mailed to you. You may also call our Customer Service Department at (440) 922-5222.

  4. Will I be contacted if something is missing from my claim submission?

    Please carefully review all the filing instructions and submit all the required supporting documents. Missing information or documents will delay the processing of your claim. If it is determined that additional information is needed during the review of your claim, we will notify you in writing.

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

    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 two years old, the claim may be subject to further review. This will increase the processing time.

  6. Once my claim has been processed and approved for payment, how long will it take to receive my benefit payment?

    If your claim has been approved for payment, you will typically receive your direct deposit within seven business days from the time your claim was processed and all required information has been received. If your payment is in the form of a check, this will usually be received within 10 to 15 business days from the time your claim was processed and all required information has been received. If you have not received your check within 30 days of the date your claim was processed, please contact our Claims Department at (440) 922-5151.

  7. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Provide itemized medical billing statements and complete all necessary portions of the claim forms and any authorization forms that are required.

  8. Why does the company request additional information on claims that are less than two years old?

    As with most insurance companies, claims submitted on policies that have been in effect less than two years require a more detailed examination.

  9. What is the difference between a UB-04 and a 1500 HCFA statement?

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

  10. Why does the company require both a UB-04 and itemized medical billing statements?

    The UB-04 has information on it that is not always on the itemized medical billing statements or other summaries (e.g., diagnosis and medical procedural codes).

  11. Why is additional verification of medical records requested on accident claims?

    Many times the UB-04 or 1500 HCFA statement will include diagnosis codes. However, these codes are not always fully descriptive of why the visit to the ER or physician took place. Medical records such as Emergency Room and Doctor's Notes from the 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 of this information from the facility that provided the treatment.

  12. How will I find out about my claim decision?

    We will notify you in writing when a decision is made on your claim. Please review your policy before submitting your claim for detailed information regarding the specific benefits, how they are administered, and any limitations and exclusions. The claim decision is determined in accordance with the policy provisions.

Life Claims FAQs

Here you will find answers to general claims filing questions. If you have questions or need assistance with filing your claim, please contact our Claims Department at (440) 922-5151

  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 processed when 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.

  2. How do I submit or file a claim?

    You can submit a claim electronically through our website, by fax, or by mail. For faster filing, we recommend submitting your claim electronically where you can easily upload your supporting documents. The exception to this is the original, certified death certificate which must be submitted by mail only.

    Please refer to the "File a Life Claim" instructions tab for the required documents that are needed in order to process your claim.

  3. Once my claim has been processed and approved for payment, how long will it take to receive my check?

    If your claim has been approved for payment, you will typically receive your check within 15 business days from the time your claim was processed and all required information has been received. If you have not received your check within 30 days of the date your claim was processed, please contact our Claims Department at (440) 922-5151.

  4. My policy has been in force less than two years. How can I help ensure my claim is processed in as timely a manner as possible?

    Accurately complete all necessary portions of the claim forms, including listing all known medical providers who treated the insured in the last five years in Section 3.

  5. I’m filing a claim for accidental death benefits. How can I help ensure my claim is processed in as timely a manner as possible?

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

    Provide copies of the following documents along with the completed claim forms, the original certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, alcohol, toxicology, and police reports
    • A certified copy of the coroner’s report
    • Newspaper accounts and articles
  6. I’m filing a claim where the manner of death of the insured was homicide. How can I help ensure the claim is processed in as timely a manner as possible?

    All claims where the manner of death is listed as homicide on the Insured's death certificate will be investigated.

    Provide copies of the following documents along with your completed claim forms, the original certified death certificate (including cause and manner of death), and a copy of the obituary (if available):

    • Autopsy, alcohol, toxicology, and police reports
    • A certified copy of the coroner’s report
    • Newspaper accounts and articles
  7. How does the company determine who to pay?

    The application includes a section where the policyholder may designate a beneficiary. Through the life of the policy, the policyholder may elect to change the primary beneficiary, add additional beneficiaries, or elect to list a contingent beneficiary under the policy. These changes are 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 passed away.

    If no beneficiary is chosen while the policy is in force or the listed beneficiary is no longer living at the time the insured passes away, any benefit payable will be issued pursuant to the terms of the policy.

    If you need to make changes to your beneficiary please contact our Customer Service Department at (440) 922-5222.

  8. Where can I find the policy and agent numbers which are required to file an eClaim?

    The policy and agent numbers are located on the policy and application documents. You may also call our Customer Service Department at (440) 922-5222.

eClaims FAQs

Here you will find answers to general claims filing questions. If you have questions or need assistance with filing your claim, please contact our Claims Department at (440) 922-5151

  1. How do I know my eClaims submission was successful? Will I receive a confirmation after I submit it?

    After you submit your claim, you will receive a message on the website page which will verify that it was successfully submitted, and you will also receive an e-mail confirmation.

  2. What should I do if I am working on submitting my claim electronically and the system times out?

    If the system times out, you will need to start the submission process over. Please note that the system will alert you before it will time out and give you the opportunity to extend your session.

  3. What should I do if I submitted my claims electronically and did not receive a confirmation?

    Please contact the Claims Department at (440) 922-5151 for assistance.

  4. Is my information secure when I submit it electronically?

    All information submitted electronically is secure. We are committed to protecting the privacy and confidentiality of all information submitted. Please visit the Globe Life Privacy Policy for more detailed information about our company privacy policy.

  5. How many documents or pages can I submit at one time when filing an eClaim?

    Please submit all required supporting documents for your claim. There is no limit to the number of pages you can submit when filing an eClaim. Please refer to the applicable Claim Checklists on the Globe Life claims page for the required documents that are needed in order to process your claim.

 

Globe Life is the marketing name for Globe Life Inc. and its subsidiaries. Product availability and features vary by state and subsidiary. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Life insurance products and supplemental health insurance products are offered and underwritten by Globe Life Inc. subsidiaries: Globe Life And Accident Insurance Company, American Income Life Insurance Company, Liberty National Life Insurance Company, Family Heritage Life Insurance Company of America, and, in New York, Globe Life Insurance Company of New York and National Income Life Insurance Company.