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Group & pension claims
Group & Pension Claims Filing Guide
Learn how to properly file group & pension claims with step-by-step instructions
Group & Pension Claims
This category covers claims arising from group insurance schemes (often provided by employers) and pension plans.
Group Life Insurance Claims: These are death claims made under a policy that covers a group of people, typically employees of a company. If a member of the group dies, a lump sum is paid to the deceased employee's nominated beneficiaries. The process is usually managed by the employer's HR department.
Pension Claims (Annuity Benefits): This is not a traditional "claim" but a request to start receiving the benefits of a pension plan.
At Retirement: The policyholder (the retiree) "claims" their pension. They typically have options: receive a lump sum amount and use the rest to buy an annuity (a product that provides a regular monthly income for life) or take the entire amount as a lump sum (subject to tax rules).
Death Benefit: If the pension member dies before retiring, a death benefit is paid to their beneficiaries. If they die after retiring, the structure of any continuing payments depends on the annuity type chosen (e.g., with or without a guarantee period for a spouse).
Filing claims related to employer-sponsored group policies or pension plans.
How to File Group & Pension Claims
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Group Life Claims – Typically initiated through the employer's HR department. They will provide the necessary forms and guide you through the process.
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Pension Claims – Contact the pension administrator before retirement date to:
- Discuss payout options (lump sum vs annuity)
- Complete required paperwork
- Provide proof of age and identity
- Submit banking information for direct deposit -
Documentation – Common requirements include:
- Claim forms
- Identification documents
- Employment history
- Banking details
- Beneficiary information -
Processing – Group claims often have streamlined processes, but may require verification from the employer. Pension claims may take several weeks to process.
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