Cancer Insurance Claim Filing Instructions

Does your claim meet the definition of Cancer?

Definition of Cancer:

Leukemia, Hodgkin's disease, or any form of malignant growth positively diagnosed as cancer (malignant neoplasm) by a legally licensed doctor of medicine certified by the American Board of Pathology or a certified Osteopathic Pathologist other than yourself or a member of your immediate family or household. Such diagnosis must be based on a biopic examination. The pathologist establishing the diagnosis shall base his judgment solely on the criteria of malignancy as accepted by the American Board of Pathology or the Osteopathic Board of Pathology. Pre-malignant conditions or conditions with malignant potential are not to be construed as cancer in interpreting this policy.

The following are not considered cancer for purposes of this policy:

  1. Carcinoma in Situ
  2. Stage 1 Hodgkin's disease
  3. Stage A Prostate Cancer
  4. Melanoma that is diagnosed as Clark's Level I or II or Breslow less than .75mm.

For First Occurrence benefits, skin cancer is NOT covered unless it is considered a Melanoma

Submitting a Cancer Claim on Policies Less than 2 Years Old

  1. Complete the Claimant Statement, HIPAA Release, Medical Provider History and provide a Pathology Report (click here for Pathology report examples). Printable claim forms can be found below:

    Claimant Statement
    HIPPA Release
    Medical Provider History

    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
    Private Nursing and Transportation Statement

  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: We will examine each covered person(s) for our consideration of each person(s) pending claim. This will be done at the company's expense. If at any time during the review of your claim we find that we need additional information, we will notify you in writing.

Submitting a Cancer Claim on Policies More than 2 Years Old

  1. Complete the Claimant Statement and provide a Pathology Report (click here for Pathology report examples). 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
    Private Nursing and Transportation Statement

  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


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
Customer Service email
Hours of Operation:
7:30 a.m. to 5 p.m. Central
Monday through Friday