• What is covered by my policy?
  
• How do I get a claim form?
  
• How do I file a claim for Supplemental Medical (GAP)?
  
• How do I file a claim for Cancer Benefits?
  
• How do I file a claim for Accident Only?
  
• How do I file a claim for Disability Coverage?
  
• How do I file a claim for Life Coverage?
  
• How do I file a claim for my Annuity?
  
• How do I submit a claim?
  
• I just faxed my claim. Did you receive it?
  
• How can I see the status of my claim OnLine?
  
• How do I report suspected fraudulent activity?
  

Q: What is covered by my policy?
A: Please refer to your Certificate of Insurance or Policy. The Schedule of Benefits page gives highlights and policy benefit maximums. The complete policy provides descriptions and specifications for each policy benefit. If you are unable to locate your Certificate of Insurance or Policy, you may download a Request For Duplicate Policy form, which includes the mailing address and Fax number for the Customer Service Department.
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Q: How do I get a claim form?
A: You may download claim forms at afadvantage.com®. You must first select a product, the industry in which you work and state of residence to insure you receive the proper claim form.
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Q: How do I file a claim for Supplemental Medical (GAP)?
A: We must receive:

1. a completed claim form,
2. itemized bills from the provider,
3. Explanation of Benefits (EOBs) correlating with the itemized bills, and
4. the diagnosis for each itemized bill.

Q: How do I file a claim for Cancer Benefits?
A: To file a claim for a Diagnostic Test Benefit or a Mammogram Benefit, we must receive:

1. a completed claim form, and
2. provider documentation of the Diagnostic Test or Mammogram.

The documentation could be an itemized bill or the pathologist, radiologist, or physician's results of the test. The test results must include the patient's name, date of test, type of test, and the provider's name, address, and phone number.

To file a claim for services relating to a Positive Diagnosis of Cancer we must receive:

1. the pathologist's report first confirming the positive diagnosis of cancer, also
2. a completed claim form,
3. itemized bills, and
4. the diagnosis for each itemized bill.

Q: How do I file a claim for Accident Only?
A: We must receive:

1. a completed claim form,
2. itemized bills, and
3. the diagnosis for each itemized bill.

Q: How do I file a claim for Disability Coverage?
A: We must receive:

1. a completed claim form, which must be completed in full and signed by you, your employer and the attending physician.

Q: How do I file a claim for Life Coverage?
A: We must receive:

1. a completed claim form,
2. a certified copy of the insured's death certificate.
3. Letters of Administration or Letters Testamentary, if claim is being filed by an Executor or Administrator.

Q: How do I file a claim for an Annuity?
A: If the Annuitant worked in Education and is deceased, please contact Life and Annuity Department at
     405-523-5025 ext 7130, or 1-800-662-1113.
     If the Annuitant worked in Business, Industry or Government and is deceased, please call
     1-800-437-1011.
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Q: How do I submit a claim?
A: The mailing address for the Benefits Department is included on the claim form.

You may fax your claim form and other required documents to our toll free fax number included on the claim form.

To send information by overnight delivery, our physical address is:

2000 N Classen Boulevard,
Oklahoma City, OK 73106-6092.

Q: I just faxed my claim. Did you receive it?
A: We ask that you please allow 24 hours from the time you sent your fax for your claim to be available in our system.

After 24 hours (from the time on your fax confirmation receipt), you may contact the Benefits Department.
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Q: How can I see the status of my claim OnLine?
A: Your claim will be viewable online once processing is complete. Normal processing time is 7 to 10 business days from the time we receive all the necessary forms.
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Q: How do report suspected fraudulent activity?
A: Please report suspected fraudulent activity with American Fidelity's Special Investigations Unit (SIU). You have the option to remain anonymous.
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