Help with insurance

Where your coverage comes from makes a difference when it comes to the forms you fill out. Choose the option below that best describes your situation.

Option 1 – You have group life insurance through work.

You can complete and submit the group life claim (PDF):

• 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

Additional forms:

• Accelerated benefit claim information (PDF)
• Accidental dismemberment/personal loss claim (PDF)

Option 2 - The individual life insurance policy was purchased through a financial professional.

To get started with your claim, access the documents you’ll need using our claims requirement tool or by downloading this claims packet (PDF).

Once you have the appropriate paperwork completed, you'll need to call us at 800-331-2213 to initiate the claim process. At this point, you'll be able to mail or fax us your form(s). Standard processing time once all claim requirements are received is 7-10 business days.

Where your coverage comes from makes a difference when it comes to the forms you fill out. Choose the option below that best describes your situation.

Option 1 – You have short- or long-term disability coverage through work.

For group disability insurance policies, claims can be submitted via:

• Online disability insurance claim form
• Disability claim form instructions, employer and employee statements (PDF). 
  • Mail: Principal Life Insurance Company
    Attn: Group Life & Disability Claims Department
    Des Moines, IA 50392-0002
  • Email: SBDClaims@principal.com
  • Fax: 800-255-6609

Additional forms:

• Pregnancy disability claim form, employer and employee statements (PDF)
• Attending physician's statement (PDF)

Option 2 – You purchased your own individual disability coverage.

Simply download and complete the form(s) you need:

• Complete the online submission of your disability claim or if you prefer to send via fax, mail or email, complete the PDF form:
  • Disability claim online submission or disability claim form (PDF)
  • Attending physician's statement (PDF)
• If your claim is psychiatric and/or substance abuse related, we’ll need these forms:
  • Disability claim online submission or disability claim form (PDF)
  • Psychiatric questionnaire (PDF)
• Send your form(s) to:
  • Mail: Principal Life Insurance Company
    Attn: Individual Disability Claims Department
    711 High St.
    Des Moines, IA 50392
  • Email: IndividualDisabilityClaims@exchange.principal.com
  • Fax: 866-317-4526
  • Phone: 800-422-3788

You'll need to submit your federal tax returns to validate your occupation and earnings. If you have a residual disability, you'll also need to submit financial documentation to help us determine your monthly benefit.

Financial documentation requirements vary depending on your employment status (whether you’re an employee, a self-employed professional, a partner, or a shareholder of a corporation). Common types of financial documents requested include W-2s, IRS Form 1040s, IRS Schedule Cs, IRS Forms 1120, 1120S, and 1065, monthly profit and loss statements, and employment pay stubs.

It depends on your specific claim. Once we receive all claim requirements, you can usually expect a decision within 5 to 7 business days. If additional information is needed to review your claim, we’ll let you know.

Yes, make online life insurance payments or online disability insurance payments.

For help with the 1099 form and other tax-related information, review our Help with Tax Information.

Most providers submit claims to us on your behalf. We encourage this as it ensures the best and most accurate submission of your claim.

If you’re submitting your own claim, no claim form is needed. You can just send us:

1. Provider's itemized statement, including:
   • ADA codes and billed amounts for services performed
   • Providers name, tax identification number (TIN) and address
   • Date(s) of service
2. Copy of the front and back of your ID card.

Send the information to:

• Mail: Principal Life Insurance Company
  PO Box 10357
  Des Moines, IA 50306–0357
• Fax: 866-301-1502

If additional information is needed, we’ll contact you.

You can get dental claim information on your smartphone or mobile device with the Principal mobile app or with your personal login at principal.com.

Managed Care Vision (VSP^® Vision Care)

• In-network: If you visit a VSP provider, you don’t need to submit a vision claim. The VSP provider submits claims on your behalf.  
• Non-network: If you visit a non-network vision provider who doesn’t submit claims on your behalf, you can submit a claim online or download and mail the VSP member reimbursement form (PDF). View VSP claims and reimbursement FAQs. If you need assistance, call 800-877-7195.