Disability insurance resources

Note: Looking for disability insurance information provided by or purchased through an employer or organization? Go here.

  • FAQs
  • Contact us
  • Find a form
  • Start a claim
Where can I find billing information?
How do I change my beneficiary?

You can change your beneficiary by printing and faxing, emailing or mailing the Beneficiary Change for Life Policy (PDF) form.

If you have questions and want to speak with a Customer Care Professional, please use the contact information on the form. Log in to your account to see your current beneficiary information. For more details, read our beneficiary changes page.

How do I make a payment?

Depending on your policy, you can make your payments:

  • Monthly: You can make premium or loan payments monthly through the Electronic Funds Transfer program by completing this authorization form. You can fax, email or mail it to the contact information listed on the Electronic Funds Transfer Authorization form. (PDF)
  • Direct: You can make payments through direct billing on a quarterly, semi-annual or annual basis. To remit a payment via mail, use the billing address found on your billing notice. To overnight a payment, send it to the Customer Service address for the appropriate product.

For contact information, use the Electronic Funds Transfer Authorization form. (PDF) Visit billing services for additional payment details.

How do I change or update a policy owner?
How do I make a claim?

Visit the "Start a claim" tab on the top of this page for details.

Where can I find additional information about my life insurance policy?

Phone support

All times are shown in Eastern Time. Not sure which policy you have? Select the (+) symbol to expand each option below.

Contact Disability Insurance support

Disability insurance customer service
Claims
Individual Disability Policy Claims
(not employer-sponsored STD/LTD)
877-546-3656
Mon-Fri 8:00 a.m.-4:00 p.m.
Fax: 860-761-1801
 
MAILING ADDRESS
Disability Insurance Specialists, LLC
P.O. Box 86
Bloomfield, CT 06002
OVERNIGHT ADDRESS
Disability Insurance Specialists, LLC
1297-A Blue Hills Avenue
P.O. Box 86
Bloomfield, CT 06002
 

Select your form below

Change your beneficiary, your address and more. Can’t find the form you need? Register for online account access and Log in to find more forms; or call us at 800-487-1485.

Lincoln National Life – Life Insurance Forms

  • (pdf)

Start your disability claim

The onset of a disability can be a difficult experience. The focus should be on your health, not paperwork. That's why we've made it easy for you to file a claim.

Call us at 800-487-1485, option 4 or select "start claims process" below.

You will need:

• Home address
• Date of disability

Start claims process

Additional questions?

Initiating a claim

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 select option 4.
Or you can call our annuity claims line at 800-454-6265 and select 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.

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 three years old.

If the document is older than three years, a Power of Attorney Affidavit must be provided indicating the document hasn’t been revoked.

The beneficiary's Social Security Number must be provided; we cannot use the Attorney-in-Fact's.

What if the insured was a resident of Ohio or Indiana?

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 for more than $25,000)

Indiana Form IH-14 (for non-spousal beneficiaries)

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 (PDF) .

What if the contract is an ERISA contract?

The claim form needs to be signed and approved by the Plan Administrator.

What is the SecureLine® payout account option?

SecureLine® is an interest-bearing account with check-writing privileges. As of November 1, 2015, the interest rate for SecureLine® accounts is 1.40%. To learn more about the benefits of a SecureLine® account, call 800-487-1485 and select option 4.

  

Beneficiaries

  

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.

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 Claimants Statement, the Distinctive Payee Arrangement form, and the Certification Trustee Powers form must be completed by the Trustee(s) of the trust.
What if the beneficiary is a 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.
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 minor's Estate.
  • A certified copy of the court appointment for the minor's estate is required.
  • The minor's personal Social Security Number 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.
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?
  • Distinctive Payee Arrangement form (PDF) 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 become 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) must be submitted 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 (PDF) .
  • The Tax Identification Number for the corporation or charitable organization is also required. (We cannot use the representative's Social Security Number.)
What if the beneficiary is a custodian for the benefit of the insured?
  • A copy of the corporate resolution (or its equivalent) must be submitted 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 (PDF) .
  • The Tax Identification Number for the corporation or charitable organization is also required. (We cannot use the representative's Social Security Number.)