MMC Benefits Handbook
Filing a Claim
To get a claim form, you or your beneficiary should contact National Union and return the form as it instructs.
When returning the completed claim form, the following must be included:
- two certified death certificates (if applicable)
- a police report
- any other available information
- copies of newspaper articles (if available).
To be covered, the loss has to occur within 365 days of the accident.
The beneficiary needs to file written notice of claim with National Union within 20 days after the date of loss and provide written proof of loss within 90 days of the date of loss.
How does claims processing work?
After National Union receives the proper documents and approves the claim, a check will be sent to the beneficiary's home address and all information has been provided.
How long does it normally take to process a claim for benefits?
Most claims are normally processed immediately, but not more than 60 days after National Union's receipt of written proof of the loss.
How do I appeal a benefit determination or denied claim?
There are special rules, procedures and deadlines that apply to appeals of benefit determinations and denied claims, and you have special legal rights under ERISA. Please refer to the Administrative Information section for a description of the appeal process.