Help with insurance

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.

• Group Life Claim form
• Accelerated benefit claim information
• Accidental dismemberment/personal loss claim

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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

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:

• Email: IndClaims@exchange.principal.com
• Fax: 866-894-2096

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.

• Disability claim form
• Pregnancy disability 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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

Option 2: You purchased your own individual disability coverage.

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

• Complete the online submission of your disability claim or if you prefer to send via fax, mail or email, complete the PDF form:
  • Disability claim online submission or disability claim form (PDF)
  • Attending physician's statement (PDF)
• If your claim is psychiatric and/or substance abuse related, we’ll need these forms:
  • Disability claim online submission or disability claim form (PDF)
  • Psychiatric questionnaire (PDF)
• Send your form(s) to:
  • Mail: Principal Life Insurance Company
    Attn: Individual Disability Claims Department
    711 High St.
    Des Moines, IA 50392
  • Email: IndividualDisabilityClaims@exchange.principal.com
  • Fax: 866-317-4526
  • Phone: 800-422-3788

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.

Yes, make online life insurance payments or online disability insurance payments.

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

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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

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:

• Email: SBDClaims@principal.com
• Fax: 800-255-6609

To start a PFML claim, complete and submit the claim online.

Or, complete and submit the appropriate PFML claim form:

• Bond with a child (PDF)
• Serious health condition (PDF)
• Care for covered service member or qualifying exigency - Colorado, Connecticut, and Massachusetts (PDF)
• Personal/family violence - Colorado, Connecticut, and Oregon (PDF)

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.

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, 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.

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).

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