How do I file a disability claim for my employee and where should it be sent?

If your group disability insurance is with Assurant Employee Benefits, you can obtain the forms you need at www.assurantemployeebenefits.com   On the home page, on the left hand side, is an Employer link for forms.  Both the long term disability and the short term disability forms can be obtained from this website.  Of course, Ochs, Inc. would be happy to mail you hard copies of the forms you need as well as  provide assistance if you insure with any other carrier. Just contact us here.

The disability claim process begins with you completing the appropriate portion of the claim form and then printing it off and getting it to the employee (claimant).  It is the employee's responsibility to get the form to the attending physician for the Physician Statement.  The doctor's office should mail the form directly to the Minneapolis address listed on the bottom of page 1 of the claim form.

Administrator FAQNot every LTC Insurance participant received the CNA letter to MLTC Partnership participants - Why?Only those employees who elected specific inflation protection (the lifetime compound Automatic Benefit Increase (ABI) option) received the letter. Click above for more details.Can employees keep their life insurance when they terminate employment?Yes, employees are able to continue both Basic (employer paid) life insurance as well as Optional (employee paid) life insurance under Minnesota Continuation law. Click to find out more.What happens to an employee’s Long Term Care Insurance when they terminate or retire?Because the Long Term Care Insurance is completely portable, the employee will be able to keep the same plan at the same rates. Click on the question for more information.When do employees need to provide a health questionnaire?In most cases employees are eligible for specified amounts of guaranteed issue as new employees. Typically elections made after initial eligibility require completion of a health questionnaire. Click on the title for more details.How do I file a disability claim for my employee and where should it be sent?The disability claim process begins with you completing the appropriate portion of the claim form and then printing it off and getting it to the employee (claimant). Click above to read more.If an employee terminates employment due to a disability can they still file a claim?The disability claim is based on the date of the onset of the disability. Click on the title to read more.How is a disability defined in order to qualify for benefits?A disability can be the result of an injury, a sickness, or a pregnancy. Click the title to read more.

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