Help with insurance

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

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
    Des Moines, IA 50392-0002
  • Email: SBDClaims@principal.com
  • Fax: 800-255-6609

Additional forms:

Option 2 - The individual life insurance policy was purchased through an advisor.

Simply complete and submit our individual life claims packet (PDF).

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:

Additional forms:

Option 2 – You purchased your own individual disability coverage.

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

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.

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, and
  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, visit vsp.com or call 800-877-7195 for claim submission directions. Get started by downloading the VSP member reimbursement form (PDF)

Scheduled Vision

Although some providers submit claims on your behalf, generally you’ll need to submit your vision claim to Principal. 

You can easily submit a claim. No claim form is needed. Send us:

  1. Provider’s itemized statement
  2. Copy of the front/back of your ID card

Send information to:

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

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

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.

Scheduled Vision

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

If you have Scheduled Vision through Principal, you can go to any provider. However, you’ll receive a discount if you go to a VSP 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

To file a claim, complete and submit the critical illness claim form (PDF).

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

To file a wellness claim, complete and submit a claim online after logging in to principal.com.

Or, complete and submit the wellness/screening claim form (PDF)

California customers: Complete and submit the wellness claim form – CA (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

To file a claim, complete and submit the accident claim form (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

To file a wellness claim, complete and submit the wellness/screening claim form (PDF)

California customers: Complete and submit the wellness claim form – CA (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
Are you an employer?
Don't see the topic you need help with?

Give us a call at 800-986-3343 or send us an email.

* Specified disease in New York

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.

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