How do I submit an Accidental Dismemberment claim with Beam Benefits?

Please note this process is applicable for Accidental Death & Dismemberment (AD&D) claims in relation to Dismemberment or specific loss.

Please follow the below steps to file a Dismemberment claim with Beam (including loss of limbs, eyesight, speech, hearing and paralysis):

1. Call our Customer Support team at 1-800-648-1179 to notify us about the loss. Initial notice of the claim should be provided within 30 days after the date of loss
2. We will send you the Beam Dismemberment 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 or AD&D dropdown
     • Locate 'Claim Documents' in the 'Documents' section
     • Select 'Dismemberment 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 loss (see below for list of items to be submitted)
4. Submit completed claim forms and supporting documentation using one of the following methods:
   • Email: lifeclaims@beambenefits.com 
   • Mail:

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 
• Completed and signed Employee Statement 
• Completed and signed Attending Physician's Statement and supporting medical records