Disability Insurance Support

The fastest way to file a disability insurance claim is through your online account, or on our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click on the File a Claim button
  3. Select Disability
  4. Upload the requested documentation and click Choose files to upload
  5. Click on the Next button and enter the remaining information on the following pages Note: By filling out this information, you will be completing the Statement of Insured 
  6. Check the acknowledgment box and click on the Submit button
     
     
• AFmobile
  1. Select the File a Claim button on the home dashboard
  2. Select your disability policy and then select the Choose Files button
  3. Either snap a photo of your documentation and select the Attach Documents button, or upload it from your mobile device and select Next
  4. Follow the prompts and fill out the required information
     Note: By filling out this information, you will be completing the Statement of Insured. 
  5. Check the acknowledgment box and click on the Submit button
     
     
• Fax or Mail
  1. Download and complete a disability claim form here. Please note, paper claim filing is not the fastest option. 

You can download and print a paper claim form here. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

When filing a disability insurance claim, you will need to provide the following documentation:

• Statement of Insured, completed through your online account during the claim filing process
• Attending Physician Statement: The physician in charge of your care must complete this form. You can upload the form via your online account, or you can mail or fax it.
• Employer Statement: After your employer completes this form, you can upload the form via your online account, or you can mail or fax it. If applicable, your employer can upload the form themselves via their own online account. 
• Authorization to Disclose Information Including PHI: This form gives us authorization to get records from your medical provider(s) and others who may hold information necessary for us to review your claim. Upload the form via your online account, mail it in, or fax it.

Note: The Employer's Report of Claim statement may not be required when filing for a routine pregnancy.

Claims are generally processed within 5-7 business days after all required documentation is received.

The fastest way to check the status of a claim is through your online account, or on our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click on the Claims tab
• AFmobile
  1. From the AFmobile dashboard, scroll down to Insurance Claims
  2. Once a claim has been processed, it can be found in this section under the insurance policy name.

Your doctor and/or employer can submit their portion of the claim form themselves. You do not have to submit the forms all together. Your claim will be reviewed for processing once all required forms are received.

If your disability has extended beyond what was originally approved, you and your treating physician must complete a continuing claim form.

The Employer’s Report of Claim should be completed by your payroll representative. 

Unfortunately, American Fidelity does not pay for claim forms to be completed. This is the insured’s responsibility to get the claim forms completed.

Yes, the policy may include exclusions for disabilities such as intentionally self-inflicted injury, acts of war, disabilities contracted while in the services of the armed forces, periods of incarceration, and work-related injuries/sickness. Log in to view your policy details 

A document that details information about specific plan benefits. You can view your Schedule of Benefits in your policy document through your online account.

The period of time for which benefits may be payable for a covered injury or sickness. Benefits may be payable up to the maximum Disability Benefit Period described in the policy. Log in to view your policy details 

Yes, the policy may include limitations for certain health conditions. Log in to view your policy details 

Benefits are taxable if any portion of your disability premiums are paid by your employer or if your disability premiums are withheld before tax (like with a Section 125 Plan). If your disability premiums are withheld after tax and the employer does not pay any portion of your disability premiums, the benefit is not taxable. Please refer to your employer to determine if your premiums are withheld before or after tax.

The plan pays a percentage of your salary. The percentage is based on the plan selected by your employer. In general, most disability plans cover between 60% and 70% of your covered salary amount, not to exceed the plan maximum benefit amount.

Note: Your coverage does not automatically change with your salary. If your salary has increased since your last enrollment, take the opportunity to increase your coverage amount as well.

Should you increase your disability coverage?