Determining Your Options Individual Policy 1. Contact your insurance agent or company. Have ready your policy number and type of policy. Many policies have a brand name such as Allpeople's Universal Life. 2. Ask if the policy contains an accelerated death benefit option. If it does, ask for a claim form. 3. If your policy doesn't have an option, ask if you can add the benefit as rider. Find out how much this will cost. 4. If you are calling on behalf of friend or relative, ask for the name and telephone number of a company representative your friend or relative can contact. Privacy restrictions may limit the information an agent or company can provide you, but they may be able to tell whether a certain kind of policy typically contains an accelerated death benefit option or permits a rider. Group Policy 1. Contact your benefits administrator at work to find out if accelerated death benefits are available. If so, ask for a claim form. 2. If not, ask your administrator to find out if you can purchase an accelerated death benefit rider, or if you can contact the company holding the group policy to find out if options are available. Filing a Claim Most accelerated death benefit claim forms require statements from the insured, a physician, and the employer (if from a group policy). Other requirements differ between individual and group policies.  Individual Policy Insured's name, address, date of birth, and Social Security number Policy number Amount of insurance Nature of illness/injury Date of illness/injury Amount of benefit requested Physician's statement Name, address, specialty, and signature of physician Onset of symptoms, diagnosis date, treatment, prognosis, and patient's current physical and mental status  Statements from other physicians involved in treatment Group Policy  Insured's name, address, date of birth, and Social Security number Employer's name Date employed Occupation Effective date of employee's insurance Group number Amount of insurance (basic and supplemental) Date last worked Nature of illness/injury Reason the employee stopped work, and whether employee is expected to return to work Amount of benefit requested Physicians' statement Name, address, specialty, and signature of physician Onset of symptoms, diagnosis date, treatment, prognosis, and patient's current physical and mental status Statements from other physicians involved in treatment Other Considerations Your insurance company or state may limit the amount of benefit you may accelerate. If you have designated an irrevocable beneficiary, or if you have beneficiaries designated as part of a divorce settlement, their consent is needed as part of your claim. Many states consider filing a false insurance claim to be an act of fraud, punishable by fines and confinement. Many accelerated death benefit claim forms contain such notice.