If you have been disabled for at least six months due to an accident or illness, and you purchased the waiver of premium benefit on any of your life insurance or annuity policies, you may be able to suspend payment of your premiums on these policies.

To notify us of a disability, complete the Preliminary Notice of Disability form listed on the Disability Insurance homepage.

We will mail you a personalized claim kit within two business days of receiving your notification of disability. The kit contains forms and instructions you will need to file your claim.

Once notification begins the claim process for both your disability income insurance and the waiver of premium benefit.