Help topics Help for businesses How should a critical illness¹, accident, or hospital indemnity claim be filed?

How should a critical illness¹, accident, or hospital indemnity claim be filed?

How should a critical illness1, accident, or hospital indemnity claim be filed?

How to submit a claim and wellness/health screening claim.

How should a critical illness1 claim be filed?

The employee and employer can each click this link to complete, electronically sign and submit the critical illness form.

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

The employee will need to provide the form to their doctor to complete and submit the Attending Physician's Statement.

How should an accident claim be filed?

The employer and employee can each click this link to complete, electronically sign and submit the accident claim form. The employee will need to provide the form to their doctor to complete and submit the Attending Physician's Statement.

How should a hospital indemnity claim be filed?

The employer and employee can each click this link to complete, electronically sign and submit the hospital indemnity claim form.

How should an employee submit a wellness/health screening claim?

The employee should sign in to their principal.com account, then complete and submit the online claim form. This claim is available to employees with accident, critical illness , and/or hospital indemnity insurance.

If they 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.

Is there a time limit to file a wellness/health screening claim?

Yes, the claim must be submitted within 12 months of the date the test was completed.

Are the critical illness1, accident, and hospital indemnity benefits taxable?

It depends how the premiums were paid.

  • For premiums paid with pre-tax dollars, the benefit is taxable. However, we don’t withhold taxes from the actual benefit payment.
  • For premiums paid with post-tax dollars, the benefit is non-taxable.
  • For premiums paid with a mix, only the portion paid with pre-tax dollars is taxable.
Are the critical illness1, accident, and hospital indemnity benefits offset by other income policies?

No. These policies don’t coordinate or offset with anything including medical insurance, workers’ compensation, disability benefits, other policies, etc.

How are critical illness*, accident or hospital indemnity benefits issued?
Benefits are paid lump sum by check or direct deposit.
Can multiple wellness/health screening benefits be paid if a member has multiple supplemental policies?

Yes. There is no coordination of benefits, so a member can receive multiple wellness/health screening benefits. Because the wellness/health screening form is the same for all policies, the employee only needs to submit the form once.