Who should file the claim?
Term Life, Level Term Life or Term Plus®Universal Life Claims
Claims for an ADA member who is deceased, should be filed by the member's named beneficiary.
If you are unsure of who has been named beneficiary, please contact ADA Insurance center
Most life insurance claims are processed very quickly, pending receipt of all necessary
documentation. We make every attempt to issue benefit checks to beneficiaries within 10
business days after we receive all required information. Please allow a few extra days
for your check to reach you via standard U.S. mail.
Term Life Disability Waiver of Premium and Term Plus Universal Life Disability Waiver of
Premium claims should be filed by the ADA Member (primary certificate holder).
Disability Income Protection and Office Overhead Expense Claims
The ADA Member (primary certificate holder) should file any claim under the Disability
Income Protection or Office Overhead Expense Disability Plan as soon as possible after
the start of your disability. The review process for disability claims can take up to
several weeks or longer, depending primarily on the timely receipt of critical information
from you and your physicians. Before benefits can be released, reports from your
physicians and clinical records, along with any required financial records for you
and/or your practice, must be reviewed and you must have satisfied your waiting period.
Your assistance in obtaining clinical information from your physicians and in providing
necessary financial documentation can make a big difference in expediting the review process.
MedCASHSM Hospital Claims
The ADA Member (primary certificate holder) should file any MedCASH claim, including those
pertaining to a covered spouse or dependent child. Most benefits can be released once you
have satisfied the required waiting period (if any). Hospital Coverage benefit checks are
typically issued within 10 business days after all necessary claim requirements have been
met. Please note that your health insurer's EOB (explanation of benefits) statement does
not provide us with all the information we need to process your claim.
MedCASHSM Critical Condition Claims
Critical Condition benefit checks are issued as soon as the appropriate survival period
and waiting period have been satisfied, following the receipt of all necessary
documentation. Receipt of your medical records is required for Critical Condition benefits;
in particular, your physician will need to provide a confirming clinical diagnosis of
qualifying condition before benefits can be paid. In some cases we may need to request
Payment of benefits for all Plans is subject to approval based on the qualifications
outlined in your certificate(s). For additional information about claims procedures
or policies, contact us at 866-257-0707 or