Filing an insurance claim through Crocker Financial is a straightforward process designed to provide support during what may be a difficult time. Here's our step-by-step guidance:

Life Insurance Claims:

1. Initial Notification
   • Contact our office as soon as possible at (330) 406-5566
   • We'll guide you through the entire process
   • We serve as your advocate with the insurance company
   • Available 24/7 for urgent claim situations
2. Documentation Collection
   • Original death certificate (typically 2-3 certified copies)
   • Policy information (we can help locate this if needed)
   • Beneficiary identification (government-issued photo ID)
   • Completed claim forms (we'll provide these and assist with completion)
   • Any additional carrier-specific requirements
3. Claim Submission
   • We'll help submit the claim in one of three ways:
     • Electronic submission through our secure advisor portal
     • Physical mail with tracking
     • In-person at a local claims office (available with some carriers)
4. Claim Tracking
   • Regular updates on your claim status
   • Proactive follow-up with the insurance company
   • Intervention if any issues or delays arise
   • Documentation of all communications
5. Benefit Distribution
   • Once approved, benefits are typically paid via:
     • Direct deposit to your bank account
     • Physical check
     • Placement in an interest-bearing account until you decide on distribution
   • Guidance on benefit options and tax implications

Disability or Critical Illness Claims:

1. Early Notification
   • Contact us as soon as you become disabled or are diagnosed with a covered condition
   • Prompt notification can help avoid benefit delays
2. Required Documentation
   • Completed claim forms (physician and claimant sections)
   • Medical records documenting the condition
   • Proof of income (for disability claims)
   • Attending physician statements
   • Authorization for release of medical information
3. Ongoing Claims Support
   • Assistance with periodic verification requirements
   • Management of continuing disability documentation
   • Advocacy for benefit continuation when appropriate
   • Guidance on returning to work provisions

Throughout the claims process, our team provides compassionate guidance and advocacy, ensuring you receive the benefits you're entitled to as efficiently as possible. We understand this can be a stressful time, and our goal is to minimize administrative burden while maximizing support.