How to file a claim

Claims should be filed with the claims administrator
control room

COVID-19 Extension for Filing Claims and Appeals

Due to the COVID-19 Pandemic and Declaration of National Emergency, the US Departments of Labor (DOL) and Treasury/IRS have provided revised guidance that extends deadlines related to filing claims and appeals under ERISA plans. The guidance states that every affected individual gets an extension to take actions based on when their claims event occurred. This extension applies to the following deadlines discussed in this claims section:
  • Filing a claim;
  • Appealing a claim denial;
  • Requesting an external review; and
  • Filing information needed to complete/perfect an external review request.
The extension pauses the deadline to take the above actions until the “Outbreak Period” for that individual is over. For each claims event, the Outbreak Period ends on the earlier of:
  • One year after the period starts for that event; or
  • 60 days after the Declaration of National Emergency ends. (The Declaration was recently extended and is still ongoing.)
Essentially, the claims and appeals deadlines for the actions listed above are extended (delayed) until the earlier of one year after the Outbreak Period starts for that event, or 60 days after the emergency declaration ends. The normal deadlines then apply. Here is an example:

Assume the National Emergency does not end until November 30, 2022. Kendrick submits a claim on August 1, 2021. The claim is denied on August 5, 2021. Under the plan, Kendrick would normally have 180 days to appeal the claim. However, Kendrick’s Outbreak Period for his appeal does not start until he receives his claims denial. Kendrick’s Outbreak Period will end on August 4, 2022. He will have 180 days after that to submit his appeal.

The rules for these extensions are complex and subject to change. Please contact the bp Benefits Center for assistance. However, since the end of the extension period is currently unknown, please do not delay submitting your claim or appeal in a timely manner.

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.

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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