COVERAGE WHILE YOU RECOVER
File a Short-Term Disability Insurance Claim
Group Short-Term Disability Insurance from WAEPA offers paycheck protection when you need it most. With your essentials covered, you can focus on your recovery.
Filing a Claim
If you are currently unable to work due to a covered injury or illness, you may be eligible to receive monthly benefits with your Short-Term Disability Insurance from WAEPA. Here’s how to get started.
What Steps Do I Need to Take to File a Claim?
1. Start the process by completing a Short-Term Disability Insurance Claim Form. You’ll need the following information:
- Claimant information, including
- Height
- Weight
- Work information, including
- Date last worked
- Number of hours worked per week
- Average monthly earned income
- Provider information, including
- Treatment dates
2. Submit your completed form to WAEPA with one of the following methods:
- Upload via our secure Member Portal (preferred)
- Email to claims@waepa.org
- Mail a physical copy to our WAEPA headquarters at 433 Park Avenue, Falls Church, VA, 22046.
What Happens After I File a Claim?
After you submit your form, WAEPA’s underwriter, New York Life Insurance Company will review the claim and provide a Claim Decision. If approved, you’ll receive an Approval Letter which will outline:
- The monthly benefit amount
- The elimination (waiting) period – 14 or 30 days
- The date your waiting period ends
- When your benefits will begin
need assistance?
We’re Here to Help
If you need any assistance with the process, please call or send us an email. Please do not forward Claim Forms directly to New York Life. This may cause a delay in receiving your benefits.
Give Us a Call
Our team is available at
(800) 368-3484
M-Thu 8:30 a.m. – 6:30 p.m.
F 8:30 a.m. – 5 p.m. ET
Claims Restrictions
Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 on Policy Form GMR-FACE/G-30281-0.
WP-STDICL-0925
Impairment Restriction
A disability that is due to or related to a condition which has an Impairment Restriction. However, at any time and at his or her own expense, the INSURED MEMBER can give medical evidence of insurability for a condition which has an Impairment Restriction. After review of such evidence, it will be determined: (a) if and when such Impairment Restriction should be removed or liberalized; or (b) if it should be continued.
“Impairment Restriction” means an exclusion or limitation of insurance on an INSURED MEMBER. An Impairment Restriction will be (a) established by New York Life; and (b) continued by New York Life if it is in effect on the day before the INSURED MEMBER becomes insured under the Policy. An Impairment Restriction will be automatically continued when an INSURED MEMBER obtains an increase in coverage unless New York Life determines it should be removed, as stated above. All Impairment Restrictions are stated in the certificate. Insurance with such Impairment Restrictions is subject to the APPLICANT’S acceptance. Payment of one CONTRIBUTION after the INSURED MEMBER is advised of the Impairment Restriction will establish such acceptance.
Preexisting Condition
A disability that is classified as or related to a Preexisting Condition.
“Preexisting Condition” means an INJURY or SICKNESS or any condition related to such INJURY or SICKNESS for which a person consults a doctor, receives medical services or supplies or takes any medication during the six month period immediately before the INSURED MEMBER’S ISSUE DATE. Preexisting Condition does not include: (a) any such INJURY or SICKNESS or condition after such person has been continuously insured under the Policy for 12 months; or (b) an INJURY or SICKNESS or condition classified as an Impairment Restriction.