How to file a claim

To initiate the payment of benefits, you or your beneficiary should call the BP Benefits Center. A representative will outline the steps required to request benefits. A written request for OAD benefits must be filed as soon as reasonably possible, but no later than 15 months after the date of loss.

Payment of your OAD benefit

The OAD Plan will pay:

• Your beneficiary a lump-sum benefit if, within a year of an accident that occurred at your work site or while you are traveling on company business, you die as a result of injuries sustained.
• You a lump-sum benefit — according to the plan’s schedule of benefits — if you suffer a covered loss within a year of an accident that occurred at work or while you were traveling on company business, except during the initial year of a coma, when the OAD benefit is paid monthly.

Typically, a decision is made within 90 days from the date the request for benefits is filed, and you or your beneficiary will receive written notice of that decision. This time limit may be extended in special cases (usually, another 90 days), but you or your beneficiary will be notified in writing of the reasons for the delay.