How to File a Life Insurance Claim with Lincoln Life
We’re nationally recognized experts. Here we explain how to file a life insurance claim with Lincoln Life. On this website you’ll find plenty of helpful information, client results and supportive resources for getting life insurance claims submitted and paid.
First, let’s be honest; life insurers don’t want to pay claims and they do what they can to not pay. If you want to be sure your claim gets paid, contact us by phone or email for help.
Lincoln Financial Being Sued by California for Denial of Life Insurance Claims. Read article here.
Step by Step Guide to File a Life Insurance Claim with Lincoln Financial
Step #1. Contact the Claims Department and inform them of the death
They’ll confirm the policy was active and send you their Claim Form to complete. This will also stop the insurer from billing for premiums. If they determine the policy was not active on the day the insured died they’ll refuse to provide you with their Claim forms.
Step #2. Get a final death certificate and mail it to the Claims Department
They’ll want an original death certificate, not a copy. These can be purchased from the funeral home. If there is an open investigation about the death by Law Enforcement, or if the County Medical Examiner hasn’t finished determining the Cause of Death, the Final Death Certificate won’t be available. Life insurers won’t pay claims without a Final Death Certificate.
Step #3. Submit the Claimant’s Statement
This form asks for information about the beneficiary such as name, address, social security number and the form of payment requested. The beneficiary must provide a social security or tax payor number. While most death claims are not taxable, an insurer is still responsible for notifying the IRS a claim has been paid.
Step #4. Choose a form of payment
Depending on the insurance company and the size of the claim, several different payment options are available:
- Check made out to the beneficiary.
- A checkbook issued to the beneficiary.
- Periodic installment payments.
Step #5. Confirm all documents are received in the Claims Department
Because communication from an insurer is quite slow, take the proactive step of confirming that all documents have been received by the Claims Department.
What to Expect After You File the Lincoln Life Death Claim
If your claim is approved you’ll receive your payment 7 to 10 days after the final approval. If your claim is denied you’ll be given a written explanation why it was denied. Usually, the insurer will refund all the premiums that were paid.
Lincoln Life Claim Forms (click here)
Lincoln Life Claims Department phone number 1-800-487-1485
We’re the most successful life insurance claim experts in the US. Getting life insurance claims paid is all we do. Over $250 Million paid out to our clients. No retainer. No legal fees. Fast results. Every client account on this website is real. We’ve been getting denied claims overturned and paid for 30+ years.
