How to file a Debt Protection claim:
To initiate a Debt Protection claim, please click on the link below to access Securian Financial’s claims portal. This will allow you to initiate a claim directly with Minnesota Life Insurance Company (“Minnesota Life”). Within this claims portal, you will be able to initiate claims, upload documentation, and review the status of your claim. If you have any questions regarding coverage eligibility, please contact 3Rivers are 800.825.3641. For any questions regarding a new or existing claim, please contact Securian Financial at 800.328.9442.File a Claim
For each event, you’ll need to do the following:
- For death claims, you’ll need to provide a copy of the death certificate.
- For disability claims, you’ll receive a claim form to be completed by you and your physician. You must be deemed unable to work for 14 or more days by a licensed health care provider.
- For involuntary unemployment claims, you’ll receive a claim form to be completed by you and your employer. You’ll also need to provide proof of your receipt of unemployment benefits and be involuntarily unemployed for a minimum of 30 days. Involuntary unemployment claims are not eligible during the first 90 days of the loan.
Upon receipt of completed claim documents, Minnesota Life will review your claim for benefits and notify you within 10 business days letting you know whether your claim is approved, denied, or if they need more information to proceed.
For disability and involuntary unemployment claims, you’ll be asked to complete continuation claim forms on a monthly basis to support your ongoing disability or unemployment. If your disability is expected to continue for a period of time, your doctor should indicate an estimated duration on the claim form. This may allow Minnesota Life to issue benefits without a monthly claim form.
You should continue to make payments on your loan until a claim decision is completed and communicated. If the claim event results in continuing benefits, claim forms should be completed and returned when requested to prevent further delay in issuing benefits.
For additional information regarding your coverage, please refer to your Debt Protection Agreement included in your loan documentation.