Help with insurance
How to file claims, check claim status, and manage policies
For life insurance, call us at 800-331-2213, and we’ll be happy to walk you through the process. If the life insurance is through work, you’ll need to contact the employer for appropriate claim forms.
If you purchased individual disability insurance (IDI) through an advisor, contact us and we’ll send you the forms you need.
- Call 800-422-3788 to talk to someone from 7 a.m. – 5 p.m. CT, or voicemail is available after 5 p.m.
- Email us at IndividualDisabilityClaims@exchange.principal.com.
Or, you can download our Disability Claim Notice form (PDF) now, which includes a HIPAA authorization form. You’ll also need to provide one of the following:
- For non-psychiatric and/or substance abuse claims:
- Attending Physician's Statement - to be completed by the physician treating you
- For psychiatric and/or substance abuse claims:
Once we receive your completed claim forms, your Claim Analyst will contact you. We’ll also contact your physician and employer to gather any additional information. Throughout the review process, we’ll keep you up to date on the status of your claim, and you can always talk to your Claim Analyst about any questions or requests.
- Fax: 800-255-6609
- Mail: Principal Life Insurance Company, Attn: Group Life & Disability Claims Department, Des Moines, IA 50392-0002
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.
For help with the 1099 form and other tax-related information, review our Help with Tax Questions.
The subject matter in this communication is provided with the understanding that Principal® is not rendering legal, accounting, or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.
EC4722 | 06/2017