Help with critical illness insurance claims

To file a claim, have the employee complete and submit a claim online after they log in to principal.com.

Or, access your state's specific critical illness claim form (PDF). Then complete and submit as shown below.

Mail:
Principal Life Insurance Company
Attn: Group Life & Disability Claims Department
711 High St.
Des Moines, IA 50392-0002

Email:
SBDClaims@principal.com

Fax:
800-255-6609

Benefits are paid by check in a lump-sum.

No. The critical illness policy doesn’t coordinate or offset with anything including medical insurance, workers’ compensation, disability benefits, other accident policies, etc.

To file a claim, have the employee complete and submit a claim online after they log in to principal.com.

Or, access your state's specific health screening claim form (PDF), then complete and submit as shown.

You can submit the form via:

Mail:
Principal Life Insurance Company
Attn: Group Life & Disability Claims Department
711 High St.
Des Moines, IA 50392-0002

Email:
SBDClaims@principal.com

Fax:
800-255-6609

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.