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Help with insurance

Help with insurance

How to file claims, check claim status, and manage policies

How do I submit a life insurance claim?

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.

For group life insurance policies, complete and submit the online beneficiary group life insurance claim form.

You can also click the links below to complete, electronically sign and submit the form.

If you wish to file a paper claim, after you click the link above to open the form, click options and Download PDF to print a blank claim form. Submit printed forms via:

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

To get started with your claim, complete, electronically sign and submit the Individual Life Insurance Claim form.

If you wish to file a paper claim, after you click the link to open the form, click options and Download PDF to print a blank claim form. Then submit to us via:

How do I file a disability insurance claim?

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-term or long-term disability coverage through work.

For group disability insurance claims for sickness, injury, pregnancy, or mental health conditions, first sign in to your principal.com account, then complete and submit your online disability insurance claim form.

If you wish to file a paper claim, click the link below to open the form, click options and Download PDF to print a blank claim form.

The doctor can also complete their section of the online disability claim form or you can provide them the Attending physician's statement.

Submit printed forms via:

Option 2: You purchased your own individual disability coverage.

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

What financial documentation do I need to provide for an individual disability insurance claim?

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.

How long does the process take for individual disability insurance claims?

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.

Can I make individual life or disability insurance payments online?
Why did I receive an IRS Form 1099-R from Principal?

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

How do I submit a critical illness* claim?

You and your employer can each click this link to complete, electronically sign and submit the critical illness claim form.

New York customers: Complete and submit the specified disease claim form.

You'll need to provide the form to your doctor to complete and submit the Attending Physician's Statement.

If you wish to file a paper claim, after you click the link above to open the form, click options and Download PDF to print a blank claim form. Submit printed forms via:

How do I submit an accident claim?

You and the employer can each click this link to complete, electronically sign and submit the accident claim form. You'll need to provide the form to your doctor to complete and submit the Attending Physician's Statement.

If you wish to file a paper claim, after you click the link above to open the form, click options and Download PDF to print a blank claim form. Submit printed forms via:

How do I submit a hospital indemnity claim?

To file a hospital indemnity claim, first sign in to your principal.com account, then complete and submit the online claim form.

If you wish to file a paper claim, click this link to open the Hospital Indemnity claim form, then click options and Download PDF to print a blank claim form.

Submit printed forms via:

Submit a wellness/health screening claim

To file a wellness/health screening claim under your critical illness, accident or hospital indemnity policy, first sign in to your principal.com account, then complete and submit the online claim form.

If you wish to file a paper claim, click this link to open the Wellness/Health Screening Claim form, then click options and Download PDF to print a blank claim form.

Submit printed forms via:

How do I submit a Paid Family and Medical Leave (PFML) claim?
How do I submit a dental claim?

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.

Where can I get information about my dental claims?

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.

How do I submit a vision claim?

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.
Where can I get information about my vision claims?

Managed Care Vision (VSP® Vision Care)

Visit vsp.com. You’ll need to create an account using your member ID found on your ID card (don't use your Social Security number).

How can I find a vision provider?

Managed Care Vision (VSP® Vision Care) customers should visit a VSP provider to receive the most savings.

To find a VSP provider:

  1. Go to vsp.com
  2. Click Find a Doctor
  3. Search by location, doctor, or office name
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