Your benefit funds are paid directly to you, not a doctor or employer, and can be used to assist with everyday living expenses.
Short Term Disability Insurance
One of your most valuable assets is the ability to earn an income. Disability insurance may help protect your finances when you’re hurt and can’t work due to a covered injury, sickness or mental health condition.
We insure the things we value most. Why not insure your income?
For many of us, a paycheck isn’t a luxury — it’s a necessity. We insure our home, car, health, teeth, even our pets. It’s time to think about insuring your income too.
Why Buy Disability Insurance?
If your paycheck stopped today due to an unexpected accident or sickness, would you be able to cover your bills? Learn how disability insurance may help safeguard your financial stability.
Need to file a Short Term Disability Claim?
View helpful resources to guide you through the process of submitting a disability claim.
Questions? We’re here to help!
Find answers to the most commonly asked questions.
If you prefer to talk, you can always call us at 800-256-8606.
How do I file a claim?
The fastest and easiest way to file your claim is through your Online Service Center account. Sign in or register your account for convenient automated claims submission.
For wellness benefits under all plans: Click on “File a Wellness Claim” and follow the prompts to submit your wellness and screening benefit claim.
For all other benefits: Click on “Upload Files” then answer the prompts and attach the required documentation.
You may also submit your completed claim form and supporting documentation to us by fax at 877-365-9423 or mail to:
P.O. Box 248950
Oklahoma City, OK 73124-8950
Do I have to fill out a claim form?
For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.
We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.
Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:
P.O. Box 248950,
Oklahoma City, OK 73124-8950
When will I receive my bill?
If your premium isn’t set on automatic bank draft/payroll deduction through your employer, monthly bills are mailed by the 25th of the month, prior to the premium being due. If you haven’t received your bill by the 1st day of the following month after premium is due, please contact us by email or call 800-256-8606 to get copy of your bill.
Related products and benefits
We help people prepare for the unexpected with financial protection from the costs of a covered accident, injury or sickness. Discover how our supplemental benefits may help cover the out-of-pocket expenses major medical wasn’t designed to pay.
Accident
Accident
Even the best medical insurance may have deductibles and copays. Help protect yourself from the high cost of a covered accidental injury.
Learn More
Cancer
Cancer
Cancer can be devastating, but you may get financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis.
Learn More
Critical Illness
Critical Illness
Help be financially prepared in the event of a heart attack, stroke, cancer or other covered condition.
Learn More
Hospital Indemnity
Hospital Indemnity
For more than just hospitalization, it may help cover costs associated with visits to doctors’ offices, emergency rooms, urgent care facilities and more.
Learn More
MEDlink®
MEDlink®
When costs may not be fully covered by your major medical plan, gap insurance may help pay those out-of-pocket expenses like high deductibles, copays and coinsurance.
Learn More
Term Life
Term Life
Multiple plan options may help provide peace of mind for the future.
Learn More
Short-Term Disability Income Insurance
Underwritten by American Public Life Insurance Company. This product has limitations, exclusions and waiting periods, all benefits may not be available in all states and does not replace Workers’ Compensation insurance. For complete benefits and other provisions, please refer to the policy/certificate/rider.
Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.
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