Life Claim FAQs

Please contact the employer of your recently departed loved one. They will provide you with the claim forms and submission instructions.

You must contact the employer because they provided the Life Insurance coverage to their employees through their benefits program.

Please contact the employer of your recently departed loved one. The employer keeps records of the beneficiary designations for their employees. If your loved one completed a beneficiary designation, the employer will advise you if you are a named beneficiary.

The Beneficiary Part 2 Claim Form is the beneficiary claim form required to receive Life Insurance claim benefits. You can get it from the employer of your recently departed loved one.

All you have to do is fill out the entire form and sign it on both signature lines.

Yes, each beneficiary must individually complete a Beneficiary Part 2 Claim Form.

No. If the beneficiary is a minor, the form must be completed with the minor’s information and signed by his or her legal representative or guardian.

If a beneficiary was not named or none of the named beneficiaries are still living, we will pay the claim according to the Facility of Payment in the contract. The Facility of Payment specifies the order of next of kin.

If the adult beneficiary is unable to handle his or her financial affairs, the legal representative must complete the form with the beneficiary’s information and sign it.

If the beneficiary is a trust, the form must be signed by the trustee of the trust.

If the beneficiary is an estate, the form must be signed by the executor/administrator of the estate.

If the beneficiary is a charity or an organization, the form must be signed by the administrator of the charity or the organization.

The funeral home will have you sign a Funeral Home Assignment (FHA) if you are the named beneficiary. This allows them to be paid from the Life Insurance proceeds that go to the named beneficiary(ies). Keep in mind that only the proceeds for beneficiaries who sign the FHA will be used to pay the funeral home.

Please go to our checklist to see what documents you need to file a Life Insurance claim.

Please submit the Beneficiary Part 2 Claim Form and all additional required documents to the employer of your recently departed loved one. Then the employer will submit your claim documentation along with their claim form and employment eligibility information to us directly.

After we receive the claim documents from the employer, we will immediately begin the process of reviewing your claim. Our Claims team will contact you if we need additional information.

Claim documentation should be faxed to Blue Cross Blue Shield of Michigan at 855-645-8242 or mailed to P.O. Box 7070, Downers Grove, IL 60515. Please include the assigned claim number on the cover sheet, if available.

After we receive all of the required information, we will process the claim within 7 business days. The sooner you submit all of the required information, the sooner we can process the claim. Collecting the required information is typically what delays the process. That’s why it’s important to correctly fill out everything and submit all of the required information as soon as possible.