FREQUENTLY ASKED QUESTIONS ABOUT FILING A CLAIM
I'm the beneficiary of a death claim but I'm not certain the policy is with Lincoln.
- Our Claims Specialist will use the information you supply to check our records. For help with life insurance or long-term care claims, call 800 487 1485 and select option 4. For help with annuity claims, call 800 454 6265 and select option 3.
How do I know what type of claim I have?
- Our Claims Specialist would be happy to clarify this for you. You can call our life insurance or long-term care claims line at 800 487 1485 and selecting option 4. Or you can call our annuity claims line at 800 454 6265 and selecting option 3. We can help determine the type of claim you have and direct you to the appropriate party from either line.
What if I can't find some of the information requested in the online claim notification?
- We might be able to work with the information you presently have, at least to start the process. For help with life insurance or long-term care claims, call 800 487 1485 and select option 4. For help with annuity claims, call 800 454 6265 and select option 3.
What if the beneficiary is an Estate?
- The Claimant's Statement must be completed by the court-appointed Executor of the Estate.
- A certified copy of the Letters Testamentary must be included.
- The tax identification number (TIN) for the estate is required. (We cannot use the insured's Social Security Number.)
- If the estate qualifies, you may submit a small estate affidavit in lieu of the certified copy of the Letters Testamentary. (Check your state guidelines.)
- The only options to an Estate are Lump Sum and Five Year Deferral. (Estate must stay open for the Five Year Deferral period.)
What if the beneficiary is a Trust?
- The Claimant's Statement and the Distinctive Payee Arrangement form must be completed by the Trustee(s) of the trust.
The following pages of the Trust are required:
- Title Page of the Trust
- Page naming the successor trustee(s)
- Signature page
- Any amendments to the Trust
- The tax identification of the Trust. (we cannot use the deceased's social security number)
- If the Trust is a Testamentary Trust we require a copy of the Probated Will and Letters Testamentary appointing the executor.
- The only options to a Trust are 5 Year Deferral, Lump Sum or Continue i4Life if previously running on the contract.
What if the beneficiary is a minor (under the age of majority)?
Every state has different requirements, which vary depending on the amount of the benefits payable
- The Claimant's Statement must be completed by the legal guardian/custodian of the minors Estate.
- A certified copy of the court appointment for the minor's estate is required.
- The minor's personal social security must be provided.
What if the beneficiary is legally incompetent?
- The Claimant's Statement must be completed by either the Power of Attorney (follow instructions for Power of Attorney under Frequently Asked Question #5) or the Legal Guardian/Conservator of the beneficiary.
- A certified copy of the court-approved appointment must be submitted if there is a legal guardian/conservator.
- The beneficiary's Social Security Number is required, not the personal representative's.
How should the Power of Attorney complete the Claimant's Statement on behalf of the beneficiary?
- A copy of the Power of Attorney document must be submitted and cannot be more than 3 years old.
- If the document is older than three years a Power of Attorney Affidavit must be provided indicating the document has not been revoked.
- The beneficiary's social security number must be provided; we cannot use the Attorney-in-Fact's.
What if the beneficiaries name is different than the one listed on the beneficiary designation?
If the beneficiaries name has changed due to marriage, divorce, etc, include a copy of the legal document (marriage certificate, divorce decree, etc) that documents the name change.
What if the beneficiary designation reads "Children" or a similar designation?
- A Distinctive Payee Arrangement form is required.
- A separate Claimant's Statement must be completed by each child listed on the Distinctive Payee Arrangement Form.
What if the beneficiary predeceased or postdeceased the insured prior to submitting the Claimant's Statement?
- A copy of the Certified Death Certificate for that beneficiary is required.
- Upon notification that a beneficiary has deceased, we will review the contract and determine to whom the benefits are payable.
What if the beneficiary is a corporation or charitable organization?
- A copy of the corporate resolution (or its equivalent) indicating the representative is authorized to sign on behalf of the corporation or charitable organization.
- The Claimant's Statement must be completed by a named representative in the corporate resolution.
- The named representative must also complete and sign the Distinctive Payee Arrangement form.
- The Tax Identification Number for the corporation or charitable organization is also required. (We cannot use the representative's Social Security Number)
- The only options to a Corporation are 5 Year Deferral or a Lump Sum
What if the beneficiary is a custodian for the benefit of the insured?
- The Claimant's Statement must be completed by a representative from the Custodial Company.
- A copy of the corporate resolution (or its equivalent) indicating the representative is authorized to sign on behalf of the Custodian.
- The Tax Identification Number for the Custodial Company is also required. (We cannot use the representative's Social Security Number)
- If the spouse of the insured is going to assume ownership of a custodial contract we require all of the spouse's information. i.e. Name, DOB, Address & Social Security Number.
What if the insured was a resident of Ohio, Indiana, or Oklahoma?
An additional approved Tax Waiver/Consent Form may be required for the following states and conditions:
- Ohio Form ET 13 (for non-spousal beneficiaries and claims over $25,000.00)
- Indiana Form IH-14 (for non-spousal beneficiaries)
- Oklahoma Form # 472-B (for non-spousal beneficiaries and for deaths that occurred prior to 2010)
What if the death of the insured occurred in a country other than the United States?
- A "Report of Death of an American Citizen Abroad" from the U S Embassy of the country where the death occurred is required
- A Certified Death Certificate for the insured is required. (if it is in a foreign language we require it to be translated into English.)
- Please fill out the Foreign Death Questionnaire.
What if the contract is an ERISA contract?
The claim form needs to be signed and approved by the Plan Administrator.