What to expect if you file a claim:

If you need to file a claim, please contact TwinStar Credit Union at 1-800-258-3115. We will notify Minnesota Life Insurance Company (“Minnesota Life”) on your behalf. They will assign a claim number and send claim documents to you, which need to be completed and returned. For each event, you will need to do the following:

 

  • For death claims, you will need to provide a copy of the death certificate.

  • For disability claims, you will receive a claim form to be completed by you and your physician.

  • For disability and involuntary unemployment claims, you will need to

    be disabled for 14 consecutive days or unemployed for 30 consecutive days before you qualify for benefits.

  • For involuntary unemployment claims, you will receive a claim form to be completed by you and your employer. You will also need to provide proof of your receipt of unemployment benefits.

  • For claims that occur within the first 2 years of electing the coverage, Minnesota Life will review your application and the facts of your claim to confirm that you were eligible for the coverage when you applied.

  • Upon receipt of completed claim documents, Minnesota Life will review your claim for benefits and you will be notified within 10 days whether your claim is approved, denied, or if more information is needed. For disability and involuntary unemployment claims, you will be asked to complete continuation claim forms on a monthly basis to support your ongoing disability or unemployment. If your disability is expected to continue for a period of time, your doctor should indicate an estimated duration on the claim form. This may allow Minnesota Life to issue benefits without a monthly claim form.

  • You should continue to make payments on your loan until a claim decision is completed and communicated. If the claim event results in continuing benefits, claim forms should be completed and returned when requested to prevent further delay in issuing benefits.

 

Questions about an existing claim?

If you have questions at any time regarding your claim, you are welcome to call Minnesota Life’s Customer Contact Center at 1-800-328-9442 or you can access your information at Securian.com/benefits.

Payment Protection Program

Last updated on July 21, 2020.