Filing Your Long-Term Disability Claim

Don’t let an injury or illness affect your income. Long-term disability (LTD) insurance from Symetra helps protect it if a health condition prevents you from working for an extended period. LDM-6302 7/22 When do I need to file an LTD claim? If you know about an upcoming leave in advance, we encourage you to submit your claim approximately one to two months prior to the date your LTD benefits would be due, provided your absence has already begun. If you’re already receiving short-term disability (STD) benefits from Symetra, you don’t need to submit an LTD claim. Your LTD filing will be processed automatically. How do I file my LTD claim? Have the following information ready when filing your claim: • Contact information and Social Security number • Job title and hire date • Group policy number (check with your HR office) • Your condition (illness, injury, pregnancy) • Physician’s name, phone number and fax number If you have an STD claim being processed by Symetra and your LTD benefits are due to begin in approximately one month, contact your case manager or a Symetra customer service representative to check the status of your claim. If you need to initiate a claim, contact your human resources department to request the necessary forms. What happens once my LTD claim is submitted? Once your claim is submitted, it’ll be assigned to a case manager. Your case manager will make a claims decision after giving you a call to: • Provide you with contact information. • Explain how LTD will work. • Ask questions pertinent to your claim. • Answer any questions you might have. If the claim is approved, a letter will be sent to explain your LTD benefit. Throughout the life of the claim, your case manager will be in touch with you and will assist with your return to work, if needed. What other information may be helpful in determining my claim? You’re welcome to provide Symetra with any information you feel would affect the outcome of the claim, such as: • Copies of your doctor’s notes from your most recent visit, including detailed exam findings. • Copies of any diagnostic testing results, exam evaluations and/or therapy reports. • The date of your next doctor visit and current treatment plan. • Any additional sources of income other than your LTD benefit. How long will my claim be approved? Each claim is managed according to its individual merits. While some claims are paid for a relatively short period of time, others are paid through the maximum duration of the benefit. The duration of the claim can be affected by: • The expected recovery period associated with your health condition(s). • The ability to make reasonable accommodations to help you return to work. • Any other clinical, vocational and contractual factors applicable to your specific situation. At the time your claim is approved, or during subsequent extensions of your claim, Symetra will advise you of a pay- through date. The date represents the estimated period of time through which clinical, vocational and/or contractual factors would support a disability claim. While you’re receiving LTD benefits, Symetra will periodically confirm that you still meet eligibility requirements. If we receive information that results in the closure of the claim, we will cease the benefit payments. Filing your long-term disability claim Frequently Asked Questions Continued > Symetra Life Insurance Company