Accident Claim Filing Instructions


LNL Quick Claims - How It Works



Filing Instructions


Liberty National Quick Claims FAQs

*Liberty National Quick Claims™ is available for most properly documented accident claims with an emergency room (ER) benefit. The claim must be submitted online through our eService portal Monday through Friday and the required documentation must be uploaded by 2 p.m. Central time zone in order to be reviewed in one business day. Processing time is based on business days and after all required documentation needed to render a decision is received and no further validation and/or research is required. The claims payment must be $5,000 or less to qualify for Direct Deposit. If you are submitting multiple accident claims on the same day then the sum of payments must be $5,000 or less to qualify for Direct Deposit.

Does your claim meet the definition of an Accident?

Definition of Accident**:

Injury sustained by the insured, which is the direct result of an accident, occurring independently of disease, bodily infirmity, or any other cause while this policy is in force.

If Emergency Treatment is necessary, it must be received from: an emergency room; a hospital as an outpatient or as an inpatient for a period of twelve hours or less; a clinic; an ambulatory surgical center; or the office of a physician or surgeon. Such treatments must be received within 48 HOURS of the injury. (The State of Georgia allows 72 HOURS.)

**Definition of an accident may vary by policy.


Submitting an Accident Claim by Mail

  1. Complete the Claimant Statement. Printable Claimant Statement can be found here - Claimant Statement

    Please also include a copy of the CMS 1500 or UB-04 form (only associated with hospital stays) and any itemized medical bills you would like to have considered for payment. Examples can be found below:

    CMS1500 Example
    UB04 Example
    Itemized Medical Billing Example

  2. If disability is being claimed, in addition to the documentation above, please have your employer fill out Part A and your physician fill out Part B on the Disability Claim Form. A printable form can be found here - Disability Claim Form.

  3. Please mail the completed documentation to the following address:

    Liberty National Life Insurance Company
    Attn: Policy Benefits
    P.O. Box 8080
    McKinney, TX 75070


Please note: If at any time during the review of your claim we find that we need additional information via medical narratives or a police report etc., we will notify you in writing.

If you have questions or need assistance with filing your claim, please contact our Customer Service Department at:

Phone: (800) 333-0637 or (205) 325-4979
Email: custserv@libnat.com
Hours of Operation:
7:30 a.m. to 5 p.m. Central
Monday through Friday