Help with critical illness insurance claims

How to submit a critical illness* and wellness claim

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.

Are you an employee?

Don't see the topic you need help with?

Give us a call.

  • Businesses with retirement plans call 877-475-3436
  • Businesses with group insurance products call 800-843-1371

Or send us an email

* Specified disease in New York.

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.

CRITICAL ILLNESS/SPECIFIED DISEASE INSURANCE PROVIDES LIMITED BENEFITS. Insurance issued by Principal Life Insurance Company, Des Moines, IA 50392.

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