For Existing Clients
Filing a claim
If you or your family need to make a claim, call us first. We will walk you through what the carrier needs, help you gather the right documents, and stay with you through the process.
Call your advisor before you call the carrier
When something happens, the instinct is often to call the insurance company directly. That is not wrong, but calling us first usually makes the process faster and less stressful. We know what each carrier's claims team needs, which forms matter, and what tends to hold things up. We have been through this with clients before and we are here to help.
You can reach us at 905-454-6452 or email info@bestplanner.ca. If it is outside business hours and urgent, leave a message and we will get back to you as soon as possible.
Documents by claim type
Life Insurance Death Benefit
Filed by the named beneficiary or the estate after the insured person passes away.
- Original policy documents or the policy number
- Government-issued ID for the beneficiary
- Original death certificate (the carrier will specify how many certified copies they need)
- Completed claim form from the carrier
Most carriers process straightforward claims within 30 days of receiving a complete package. We will help the beneficiary fill out the forms and review the package before it goes in.
Disability Insurance Benefit
Filed by the insured when illness or injury prevents them from working.
- Attending Physician Statement completed by your doctor
- Proof of earned income or T4s from the prior year
- Completed claim form from the carrier
- Medical records relevant to the condition, if requested
Disability claims have a waiting period before payments begin, typically 30 to 90 days depending on your policy. Start the paperwork early so there is no extra delay once the waiting period ends.
Critical Illness Lump Sum
Filed by the insured after a covered diagnosis such as cancer, heart attack, or stroke.
- Attending Physician Statement confirming the diagnosis
- Specialist report or hospital records confirming the covered condition
- Completed claim form from the carrier
Critical illness benefits are paid as a tax-free lump sum. Most policies require a survival period of 30 days from the diagnosis date before the benefit is payable. Your policy documents will confirm the exact terms.
Group Health or Dental Claim
Filed by the plan member for eligible expenses like prescriptions, dental work, or paramedical services.
- Receipts and invoices from the service provider
- Group plan member ID and certificate number
- Completed claim form or submission through the carrier's online portal
Many carriers now process routine health and dental claims through an online member portal or app. If you are unsure how to submit, call us and we will show you how your plan works.
What to expect after you submit
- 1
Acknowledgement
The carrier sends a confirmation that they received the claim, usually within a few business days. Keep a copy of everything you send.
- 2
Review
The insurer reviews the submitted documents and may follow up for additional medical records or clarification. This is normal and does not mean there is a problem.
- 3
Decision
The carrier approves, requests more information, or in rare cases denies the claim. If anything is unclear or contested, call us right away. We can help you understand the decision and, if needed, escalate it.
- 4
Payment
Once approved, the benefit is paid to the named beneficiary or claimant. Life and critical illness benefits are generally tax-free. Disability benefits are taxed depending on who paid the premiums.
We are here when you need us
Whether you are filing a claim yourself or helping a family member through one, you do not have to figure it out alone. Reach out and we will take it from there.
Get in TouchOr call 905-454-6452