How to file OneAmerica Financial® claims.
Thank you for being an SBAM member enrolled in our OneAmerica Financial group life and disability program.
Our goal is to make the claims process as simple and straightforward as possible. On this page, you’ll find instructions and resources to help you submit your claim, along with information about the documentation that may be needed. Taking a few moments to review the requirements before you begin can help prevent delays and ensure your claim is processed as quickly as possible.
If you have questions or need assistance at any point, our team is here to help guide you through the process with care, compassion, and respect.
Please review the information below for guidance on gathering the requested information before submitting your claim. We are committed to supporting you every step of the way.
OneAmerica Financial® Disability Claim
Please navigate to the OneAmerica Financial® website to download the forms to file a short-term disability, maternity disability or long-term disability claim. Submit all forms within the timeframe specified in the policy.
Before filing a claim, please have the following information readily available:
- Employee’s personal information (including social security number)
- Employer’s Name
- Group Policyholder number
- Employee’s hire date
- Contact information for doctors, hospitals or clinics treating the Employee
- Dates of treatment.
- Information regarding a worker’s compensation or state disability claim if one has been or will be filed.
You have several options for filing a disability claim:
1. Call the disability claims team at 1-855-517-6365 (Spanish available). A claims representative is available to assist you between 8 am and 6 pm ET, Monday through Friday.
2. Online Claim Form: Complete and submit your disability claim form, found at the OneAmerica Financial website in the Disability section of the Forms tab. This will automate the submission process.
3. Email to disability.claims@oneamerica.com, fax to 1-844-287-9499, or mail forms to: American United Life Insurance Company® P.O. Box 7003 Indianapolis, IN 46207 If you have any questions when completing the claim forms, please call a claims representative at 1-855-517-6365.
OneAmerica Financial® Life Claim
Please navigate to the OneAmerica Financial® website to download the forms to file a life claim. Submit all forms within the timeframe specified in the policy.
Before filing a claim, please have the following information readily available:
- A copy of each beneficiary designation signed by the employee, or a copy of the beneficiary designation from an electronic enrollment system. A maximum of eight beneficiaries may be added. If additional beneficiaries are named, attach a separate sheet listing the additional beneficiaries.
- If applicable, submit all forms requesting or changing group life insurance coverage. This includes, but is not limited to:
- Enrollment forms
- Proof of enrollment from an electronic enrollment system
- Requests to decrease coverage
- Requests to increase coverage
- Guaranteed Increase in Benefit (GIB) forms
- Employee’s most recent W-2 if salary is based on W-2 earnings.
The following supporting documentation should be attached if available (these items are required for claim processing):
- A copy of the certified death certificate.
- If the claim is for a dependent who was a full-time student:
- Documentation from the educational institution verifying full-time student status.
- A copy of the employee’s most recent federal tax return.
- If the beneficiary is a trust or estate:
- Trust or Estate documentation.
- IRS Form SS-4 verifying the Tax Identification Number.
* Please provide the PHI Authorization form to the Personal Representative or the person who had legal authority to make medical decisions for the deceased. The Personal Representative should complete, sign, and return the form to American United Life Insurance Company.
You have several options for filing a life claim:
1. Call the life claims team at 1-800-553-3522 (Spanish available). A claims representative is available to assist you between 8 am and 6 pm ET, Monday through Friday.
2. Online Claim Submission: Complete and submit your life claim form, found at www.employeebenefits.aul.com in the Life section of the Forms tab. This will automate the submission process.
3. Email to lifeclaims.employeebenefits@oneamerica.com, fax to 317-285-7666, or mail forms to: Employee Benefits Life Claims Department American United Life Insurance Company PO Box 7106 Indianapolis, IN 46207-7106
SBAM Verification of Coverage
SBAM will verify the following information with OneAmerica Financial® before the claim process begins:
- Group Name
- Group Policy Number
- Claimant Name and last four digits of SS number
- Type of Coverage
- Volume (Amount $)
- Effective Date of Coverage
- Premium Paid to Date (Claimant)
- Effective Date of Coverage (Group)
- Premium Paid to Date (Group)
Once the above information is verified, OneAmerica Financial® will begin processing the claim. They may contact you directly to gather additional information such as Physician’s statement or medical records. Please provide this documentation in a timely manner to ensure efficient processing of your claim.
If you have any questions, please contact SBAM Member Care at (800) 362-5461 or via Online Service Portal.
