Disability Insurance Support

Frequently Asked Questions

  • A disability is an inability to perform the duties of your regular occupation for the period stated in your policy. After this period, disability is an inability to perform duties of any occupation based upon experience, training, or education. For consideration of disability, you must discontinue working, remain under regular and appropriate care of a physician, and provide proof of loss through the claims process.

  • Benefits are paid directly to you, so you may use the money toward medical costs or daily living expenses as needed.

  • The period of time specified within the policy an insured must be disabled and in which no benefits are payable. Log in to view your specific policy details 

  • The disability payment refers to the Disability Benefit purchased minus a Deductible Sources of Income within your policy. Sources of income which may impact your disability payment include but are not limited to the following:

    • Sick leave/salary wage continuance
    • Social Security benefits
    • Other group disability insurance benefits
    • Government or other retirement income
    • State disability (if applicable)
    • Unemployment compensation
    • Workers compensation (if applicable)

    Log in to view your policy details 

  • Download and complete the Change of Beneficiary Form, and mail or fax it to American Fidelity.

    Mailing address:
    American Fidelity
    Attn: Account Admin Dept
    P.O. Box 25523
    Oklahoma City, OK 73125
    Fax number: 800-620-8915

  • A condition for which you have received treatment, incurred expense, taken medication, received services or a diagnosis or advice from a physician during the period described in the policy immediately before the effective date of coverage.

    Log in to View Your Policy Details 

  • If you received disability insurance benefits, your employer will provide the tax forms and information needed for tax filing. In some circumstances, you may receive a W-2 form directly from American Fidelity to your mailing address. 

    If you have not received your disability insurance benefits tax information, contact your employer for more information.

  • 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 Insurance Claim
      4. Upload the requested documentation and click on the Upload File button
      5. Click on the Next button and enter the remaining information on the following pages
      6. Check the acknowledgment box and click on the Submit button
    • AFmobile
      1. Touch the File a Claim button on the AFmobile dashboard
      2. Select the policy you are filing a claim and touch the Choose Files button
      3. Either snap a photo of your documentation and touch the Attach Documents button or upload it from your mobile device and hit Next
      4. Follow the prompts and fill out the required information
      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 herePlease 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 or claim form
    • 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. 

    We may also need:

  • 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?

File a Disability Insurance Claim

The fastest way to file a disability insurance claim is through your online account or our mobile app, AFmobile®. Download AFmobile from the App Store® or Google Play™.

File a Claim

 
 

File Your Claims on AFmobile®

Manage your disability insurance using our mobile app, AFmobile!

  • Submit claims
  • View claim status updates 
  • Upload additional documentation

Download on the App Store

Get it on Google Play

Get Your Money Faster

When you submit your annual wellness and other eligible claims online or through AFmobile, you may receive payment in as little as one day when enrolled in direct deposit.