Please note this process is applicable for Accelerated Death Benefit (ADB) claims in relation to terminal illness or disease. Your terminal illness or disease must meet the definition as defined in your insurance certificate.
Please follow the below steps to file an Accelerated Death Benefit (ADB) claim/apply for an early payment of a portion of your life insurance:
- Call our Customer Support team at 1-800-648-1179 to notify us about the terminal illness or disease.
- We will send you the Accelerated Death Benefit 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 'Accelerated Death Benefit Claim Form'
- Note: This is also available in Lighthouse for HR/benefits administrators who have access.
- Complete the form. Please be sure to include the completed claim forms and all supporting documents (see below for list of items to be submitted).
- 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
- Completed, signed and notarized Consent form, if you:
- are married and reside in a community property state (AZ, CA, ID, LA, NV, NM, TX, WA, WI); or
- have an active, executed assignment for the proceeds of your group life insurance; or
- have an irrevocable beneficiary