You (or your beneficiary, if you die) should notify the claims administrator, Lincoln Financial, within 30 days of a death or 12 months of a covered loss. A claim form will be provided to you upon notification. You must complete the claim form and provide proof of the loss (as explained below) within 90 days. If it is not possible to provide proof within 90 days, you must supply it as soon as reasonably possible, but no later than one year after the time it is otherwise required (unless you are legally incompetent).

You (or your beneficiary) must provide a certified copy of the death certificate before death benefits can be paid. Benefits will be paid in a single lump-sum payment as soon as possible after all information is received.

The claims administrator (Lincoln Financial) requires you to provide proof of a life insurance or personal accident insurance claim. Proof of your claim includes information about the nature, date and cause of the loss, disability or expense and may require you to submit one or more of the following: