Heart Attack Insurance Claim Filing Instructions

Does your claim meet the definition of a Heart Attack?

Definition of a Heart Attack:

An acute myocardial infarction (the death of a portion of the heart muscle) resulting from a blockage of one or more coronary arteries. Cardiac arrest not caused by a myocardial infarction is not considered a heart attack for purposes of this policy, nor is any other disease or injury involving the cardiovascular system.

Your diagnosis must include ALL of the following:

  1. Chest pain; and
  2. Associated new electrocardiographic (EKG) changes supporting a diagnosis of acute myocardial infarction; and
  3. Elevation of cardiac enzymes above standard laboratory levels; and
  4. Confirmatory imaging studies such as thallium scans, MUGA scans, or stress echocardiograms.

Submitting a Heart Attack Claim on Policies Less than 2 Years Old

  1. Complete the Claimant Statement, HIPAA Release, and Medical Provider History. 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

  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 Heart Attack Claim on Policies More than 2 Years Old

  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


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