How to submit a death claim – your step by step guide
Losing a loved one or a family member is never easy and always devastating. Many times, dealing with the admin that is linked to death only multiplies the trauma and makes the experience that much worse. A good way to combat this, is to ensure that you, your loved ones and beneficiaries know exactly how to submit a death claim without hassle or added stress.
Cornerstone Employee Benefits is always trying to find new and better ways to empower our clients. Through years of experience, we have found that although most employees understand their death benefits, many are unsure of how to use them. That’s why we have put together a step-by-step guide on how to submit a death claim.
Step 1: Contact your broker
The first thing you need to do, is contact your employee benefits broker. This can either be done directly or via your human resources department. As each group scheme is different, your broker will be able to advise you on the best way forward as well as guide you through the entire journey.
If you are on a group scheme and you don’t have a qualified and experienced broker, it’s vital that you get one. Employee benefits is a specialised field and should be managed by an appropriate specialist.
Step 2: Collect all the necessary documentation
The next step would be to get together all the documents the insurer will need in order to process your claim. Every claim is different and each insurer my ask for different documents, but usually you will need the following:
- An up to date beneficiary nomination form
- Death certificate
- Death notice form
- An invoice from the mortuary
If you don’t know where to find these, contact your broker or consult you HR department.
Step 3: Submitting the claim to the insurer
The final step would be to submit the claim with all the supporting documentation to the insurer. Your broker will most likely do this and keep you updated on any progress or delays in the process.
Step 4: Payout is made to the beneficiary
Under normal circumstances, a funeral claim will pay out within 48 hours of final submission, however as mentioned above, each claim is different. Things that usually slow down a claim are incorrect documentation, no beneficiary nomination form or if the insurer cannot get hold of the beneficiary due to outdated contact details. It is therefore vital that your update all your documentation as frequently as possible.
If you don’t have a beneficiary nomination form, click here to learn more about the importance of an up to date beneficiary nomination form.
Other very important points to remember:
- Check your and your beneficiary’s contact details regularly and update where necessary.
- It’s important to know if you are on an approved or unapproved death benefit.
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