Filing a claim for disability or accidental death benefits with Voya Financial is a crucial step in accessing the financial support you need. Whether you are filing a claim for yourself or on behalf of a loved one, the process is designed to help you receive benefits as efficiently as possible. Here’s a step-by-step guide on how to file a Voya claim for disability or accidental death benefits.
Step 1: Review Your Policy Details
Before filing a claim, it’s important to understand your coverage. Review your disability or accidental death benefit policy to ensure that you meet the eligibility requirements. Policies may differ based on your employer, your individual plan, or the circumstances of the claim. Look for key details such as:
- Coverage Amount: Understand the benefits you’re entitled to under your policy.
- Claim Deadlines: Make sure to file your claim within the required time frame.
- Required Documentation: Find out what documents are needed to support your claim (e.g., medical records, proof of injury, or cause of death).
Step 2: Contact Voya to Start the Claim Process
You can begin the claim process by contacting Voya Financial directly. There are several ways to start the process:
- Phone: Call Voya’s claims department at 1-800-223-3657. They will walk you through the process, explain what documents are required, and answer any questions you may have.
- Online: Visit Voya’s official website (www.voya.com) and log into your account. Navigate to the claims section to initiate the process for disability or accidental death claims.
- Mail: Some claims may need to be started by submitting a claim form via mail. Voya will provide you with the proper form based on the type of claim you’re filing.
Step 3: Complete the Required Claim Forms
Once you contact Voya and receive the necessary forms, fill them out carefully. The forms will ask for detailed information, such as:
- Personal Information: Your name, address, and contact information.
- Claim Information: For disability claims, provide details about the nature of the disability, how it occurred, and medical treatment. For accidental death claims, provide information about the deceased’s circumstances, cause of death, and any relevant details.
- Employer Information: If applicable, your employer will need to confirm employment details, including wages and job description (for disability claims).
- Medical Documentation: For disability claims, you will need to provide medical records or an attending physician’s statement (APS) verifying your condition. For accidental death claims, a death certificate will be required.
Ensure that all information is accurate and complete to avoid delays in the processing of your claim.
Step 4: Submit the Claim Form and Supporting Documents
After filling out the claim form, submit it along with the supporting documentation. This may include:
- Medical Records: For disability claims, provide copies of medical records, test results, and any physician statements verifying the disability.
- Death Certificate: For accidental death claims, a certified copy of the death certificate is necessary.
- Employer Verification: Your employer may need to provide a statement verifying your employment status and the circumstances surrounding the disability or death.
- Other Relevant Documents: Any other documentation required to support your claim (e.g., police reports, accident reports).
You can submit your claim online, via mail, or by fax. Voya will guide you on the submission process when you contact them.
Step 5: Wait for Review and Decision
Once your claim is submitted, Voya will review all the information and documents you provided. This may take several weeks, depending on the complexity of the claim and the documents required. During this time, Voya may contact you for additional information or clarification.
Step 6: Receive the Outcome of Your Claim
After reviewing your claim, Voya will notify you of the decision. You’ll receive either:
- Approval: If your claim is approved, you will receive the benefit payout based on the terms of your policy.
- Denial: If your claim is denied, Voya will provide a written explanation of the reasons for the denial. In the case of a denial, you may be able to appeal the decision.
If your claim is denied, or if you believe the decision was made in error, Voya provides an appeal process. You can submit additional information or request a reconsideration of the claim.
Step 7: Appeal if Necessary
If your claim for disability or accidental death benefits is denied, you have the right to appeal the decision. Follow the instructions provided by Voya to submit an appeal. The appeal process typically involves submitting additional documentation, a formal appeal letter, and potentially working with your healthcare providers to provide further medical evidence.
Conclusion
Filing a claim for disability or accidental death benefits with Voya Financial is a straightforward process that requires attention to detail and accurate documentation. By following the steps outlined above, you can ensure that your claim is processed efficiently, and you can access the benefits you are entitled to. Always remember to keep copies of all documents and communicate regularly with Voya for updates on your claim status. If necessary, don’t hesitate to utilize the appeal process if you encounter challenges with your claim decision.