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Yes, they require proof that the person who is insured has died.

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Q: Is a death certificate needed to receive life insurance policy benefits?
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Does the body have to be present to collect insurance?

A legitimate death certificate is what is needed to file a claim of life insurance.


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What information is needed to obtain life insurance?

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Can an insurance company require a disability beneficiary to repay benefits if the person is approved for Social Security disability?

The physical Disability insurance contract provided by the insurance company will have all of the information needed to determine whether they will want their money back if a claimant is eligible for Social-Security (SS) benefits. If you have Disability insurance under a group policy (through work), there is a good chance that they will want a refund for benefits paid on any month that you were eligible and receive SS benefits. This will often be described very clearly in the contract. Group contracts will often offset your benefits, dollar-for-dollar (100%) with an benefits received from SS and family SS. In order to be sure, simply reference the contract you have. With individual Disability coverage you should know if any of your benefits will offset with SS benefits. Benefits are classified as "Base benefits", which do not offset or "Social Insurance benefits" which is an optional rider you can add to your coverage and will offset dollar-for-dollar with SS benefits. This information will be found in your original contract. In order to know for sure, you should reference the contract. *There are many different names for the Social insurance rider. Every company has their own variation, but the conditions are similar.


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Why is an insurance contract needed?

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What is a Assignment of benefits Insurance authorization form?

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