How to File a Stroke Insurance Claim

Does your claim meet the definition of a Stroke?

Definition of a Stroke:

A cerebrovascular incident caused by hemorrhage, embolism, thrombosis or infarction of brain tissue producing measurable neurological deficit persisting for at least thirty (30) days following the occurrence of such incident. We must receive evidence of permanent neurological damage from confirming neuroimaging studies.

The following conditions are not covered:

  1. Transient Ischemic Attack (TIA)
  2. Attacks of vertebrobasilar ischemia
  3. Cerebral symptoms due to migraine
  4. Cerebral injury resulting from trauma or hypoxia
  5. Vascular disease affecting the eye or optic nerve

Submitting a Stroke 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 Stroke 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