Filing a Claim for Disabilities

What rider(s) should your policy have to be entitled to this type of claim?

Disability benefits excuses the payment of all premium due under the life insurance policy when the insured or the payor has total and permanent disability, subject to the provisions of the policy contract.

This benefit refers to the following riders/ benefits:

1. Waiver of Premium (WP) Rider, or
2. Payor’s Benefit (PB) Rider attached to your policy.

Please refer to page 3 of your life insurance policy contract for your schedule of benefits and specific details.

Continuance of Disabilities Claim

Disability benefits are being reviewed regularly, and per policy contract provisions, the Company has the right to ask for additional proofs of disability to examine the disabled insured or payor.

Claim Requirements:

• Duly accomplished claim forms:

1. Claimant’s Statement regarding Continuance of Total Disability
2. Attending Physician’s Statement regarding Continuance of Total Disability

• If available, documents showing approval of disability claim from other companies such as from SSS, GSIS, or other life insurance companies.

Further Reminders

The processing of the claim begins when the basic claim forms and other related requirements are submitted to any Philam Life Office nationwide. Additional requirements may also be required as the company deem necessary in some instances.

Upon receipt of the required documentation, we will then begin the benefit assessment, evaluate the claim and provide you with commitment dates. You shall be notified of the final decision once available. If the claim is approved, proceeds may be released to the Philam Life office nearest you upon presentation of proper identification.