When you are out of work due to a disability, timing is everything to ensure that you receive your benefits without delay.

The most important information to remember when you file

a claim:

  • You must give Aetna Life Insurance Company (Aetna) written Statement of Claim within 30 days after the first day you miss work due to a disability.
  • Do not wait until the end of the elimination period to file a claim; any delay in reporting your claim can result in serious delay in payment of benefits.
  • You must continue to make premium payments during your elimination period and while your claim is being processed.

You can use one of the following methods to file a claim for

LTD benefits:

  • By calling the Aetna LTD Claim Office at 877-352-3862, Monday – Friday, 8:00 a.m. – 7:00 p.m. Central Time
  • On-line at www.wkabsystem.com
  • By completing a Claim Form available in the Forms Download section

To receive a Statement of Claim form either:

Once Aetna receives your Statement of Claim you will be sent forms for providing Proof of Loss within 15 days. Disability claims generally take up to 45 days to process.

If you have filed a claim and have a question on the status of your claim, contact:

Aetna LTD Insurance Claim Office
Mailing address is:

Aetna Life Insurance Company
P.O. Box 14560
Lexington, KY  40512-4560

Fax: 866-667-1987

Dedicated Toll Free number: 877-352-3862

If you incurred a claim before April 1, 2007 and have a question about that claim, call:

The Hartford Benefit Management Services LTD Examinations, toll-free at 800-289-9140. Claims incurred prior to April 1, 2007 will be handled by The Hartford.

For all other questions regarding claims please click here.

After your claim is approved, you may need a guiding hand to help with the stress and changes associated with a disability. FEDERAL FIRST’s LTD Program now offers you that helping hand with our new Employee Assistance Program (Aetna EAP). For more information on our EAP Program click here.