How to file a claim

Claims should be filed with the claims administrator
control room

To initiate the payment of benefits, you or your beneficiary should call the BP HR & Benefits Center. A representative will outline the steps required to request benefits.

Basic life benefit amounts will be paid to your beneficiary in a lump sum.

Generally, basic AD&D benefit amounts will be paid either directly to you or your beneficiary, depending on the covered loss. Certain AD&D benefits may be payable to parties other than your beneficiary(ies); for example, under the insurance continuation expense benefit and the child care center benefit.

Generally, basic AD&D benefits are paid in a lump sum. Depending on the benefit amount, MetLife may offer other options such as installment payments or a special withdrawal account that you control.

The request for basic life benefits should be filed with MetLife within 90 days of your death or as soon as reasonably possible. A certified copy of your death certificate or other written proof that is acceptable to MetLife must be included, unless the request is for an early payout benefit. Usually, MetLife will act on the request within 30 days. If more time is required, your beneficiary will receive written notification of the reasons for the delay.

If you die as the result of an accident or suffer any other covered loss, a request for AD&D benefits should be filed with MetLife within 90 days of the accident, or as soon as reasonably possible.


Publication date: April 2018


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