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How do I submit a life insurance claim with Beam Benefits?

  • Updated

Please note that this process is applicable for employer-paid life and voluntary life claims.

Please follow the below steps to file a claim on Beam Benefits life insurance (including Accidental Death claims):

  1. Contact Beam Benefits customer support at 1-800-648-1179 to notify us about the member's death. Initial notice of the claim should be provided within 30 days after the date of death.
  2. We will send you the Group Life and Accidental Death Claim Form for you and your employer to complete.
    • Note: this is also available in Lighthouse for HR/benefits administrators who have access
      • Login to Lighthouse
      • Click 'Plan' on the left-hand navigation bar
      • Go to the life plan dropdown
      • Locate 'Claim Documents' in the 'Documents' section
      • Select 'Life and Accidental Death Claim Form'
  3. Complete the form. Please be sure to include the completed claim forms and all supporting documents within 90 days after the date of death (see below for list of items to be submitted).
  4. Submit completed claim forms and supporting documentation using one of the following methods:
     

Beam Benefits

Attention: Life Claims

PO Box 42756

Cincinnati, OH 45242

Be sure to keep a copy of all the documents for your records. If you have any questions, call us at 1-800-648-1179 or email us at support@beambenefits.com.

List of documents to submit:

  • Completed and signed Employer Statement along with a copy of the most recent beneficiary designation information. If a beneficiary is deceased, please provide their full name, date of death and copy of the certified death certificate. Please note the employee is automatically the beneficiary for all dependent claims.
  • Completed and signed Beneficiary Statement for each beneficiary.
  • A certified Death Certificate bearing the seal of the appropriate local, state or federal agency issuing the certificate along with this form. A copy is acceptable. If there is more than one beneficiary, only one death certificate is needed.
  • A copy of the beneficiary's driver's license or government issued ID.
  • If all or part of the life insurance benefit is being assigned to a funeral home, a copy of the completed and signed assignment form.
  • If a guardian is making a claim on behalf of a minor beneficiary, a copy of the guardianship papers issued by the court. Court papers are not required if the guardian is the only living biological parent of the minor beneficiary.
  • If the beneficiary is a trust, a copy of the trust document.
  • If the beneficiary is an estate, a copy of the appointment papers issued by the courts.
  • If the death was accidental,
    • A copy of the autopsy or coroner’s report including toxicology results, if performed
    • An obituary and/or news article
    • A copy of the police, fire and/or accident report, if applicable

 

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