To make a claim, you would generally contact your advisor for assistance.

A claims examiner confirms that

• the insurance contract was in force at the time of the claim
• for life insurance, that the deceased was the life insured
• the loss is covered by the contract
• the claimant is the one named in the policy

Death Claims

A death claim requires the following at the claimant's expense

• claimant's statement
• Attending Physician's Statement confirming the date and cause of death
• perhaps copies of the following: death certificate, coroner's report, provincial medical examiner's report
• return of the policy contract
• if the beneficiary is the estate of the deceased: a certified copy of the letters probate or letters of administration

Disability Claims

Disability claims can be contentious

• fraudulent claims
• the claimant may not meet the definition of disability

Time Limits

From the date that the claim arises, the claimant has

• 30 days to notify the insurer of the claim
• 90 days to provide proof of the claim

The claimant's statement contains

• the date the disability started
• the cause, nature and treatment of the disability
• the name of the doctor

The doctor provides an Attending Physician's Statement showing

• details of the disability
• estimated duration of the disability