Help with accident insurance claims
How to submit an accident and wellness claim
Benefits are paid by check in a lump-sum.
No. The accident policy doesn’t coordinate or offset with anything including medical insurance, workers’ compensation, disability benefits, other accident policies, etc.
To file a claim, complete and submit the wellness/screening claim form (PDF).
California customers: Complete and submit the wellness claim form for California (PDF).
You can submit the form via:
Principal Life Insurance Company
Attn: Group Life & Disability Claims Department
711 High St.
Des Moines, IA 50392-0002
Yes. The claim must be submitted within 12 months of the date the test was completed.
It depends how the premiums were paid.
- For premiums paid with pre-tax dollars, the benefit is taxable. However, we don’t withhold taxes from the actual benefit payment.
- For premiums paid with post-tax dollars, the benefit is non-taxable.
- For premiums paid with a mix, only the portion paid with pre-tax dollars is taxable.
Yes. There is no coordination of benefits, so a member can receive 2 wellness benefits. Because the wellness form is the same for both policies, the employee only needs to submit the form once.
This information is provided with the understanding that Principal® is not rendering legal, accounting or tax advice. Consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.