Disability Insurance • Claims Guide • Updated August 2026

The Ameritas Disability Insurance Claim Form: How to Get It Right the First Time — and Actually Get Paid

You paid the premiums for years hoping you’d never need this page. Now you do — and the paperwork can decide whether your income keeps coming or your claim gets buried in a stack marked “pending.” Here’s exactly how the Ameritas disability claim form process works, what the company’s own claims page doesn’t spell out clearly, and how to avoid the mistakes that cause the most delays and denials.

Quick Answer

Ameritas does not post a single downloadable PDF claim form for disability income insurance. Instead, you request a personalized claim packet by signing in to Ameritas Accounts and sending a secure message, or by emailing disabilityclaims@ameritas.com (never include your Social Security number or medical details in that email). You can also call 800-745-1112. Ameritas mails or emails back the exact forms your specific claim needs — usually an employee statement, an attending physician statement, and an employer statement if the policy is group-based.

Why There’s No Single “Ameritas Disability Claim Form PDF”

If you searched for this expecting a one-page PDF you could download, print, and mail tonight, you’re not alone — and you’re not wrong to be a little frustrated that it doesn’t exist. Ameritas builds disability claim paperwork around your specific policy and situation rather than using one universal form, because a short-term illness claim, a long-term accident claim, and a group employer-sponsored claim each require different supporting documents.

That means the real first step isn’t “download a form.” It’s requesting the right packet so you’re not stuck refiling because you were sent the wrong paperwork. This single detail — confirmed directly from Ameritas’s own claims page — is the biggest thing generic guides get wrong, and it’s the reason so many claimants lose a week or two before the clock on their claim even starts.

Step-by-Step: How to Request and File Your Ameritas DI Claim Form

Go to accounts.ameritas.com and log in (or register if this is your first time). Click the envelope icon in the upper right corner, then select “New Message” to send a secure claim-forms request. This route is faster than email because it’s already tied to your policy record.

Include everything they need in one message

Don’t make them ask twice. Ameritas explicitly asks for: your name, phone number or email, the insured’s name (if it isn’t you), your policy number, and specific claim details — what caused the disability, whether it involved an injury or accident, and whether you’ve already missed time from work. Also tell them who should receive the forms and where (mail or email).

No online account? Use email or phone

Email disabilityclaims@ameritas.com with the same details, but leave out your Social Security number or any protected health information — that inbox isn’t secure for sensitive data. Prefer to talk to a person? Call 800-745-1112, Monday–Friday, 7 a.m.–5 p.m. Central.

Complete and return the packet fast

Once your packet arrives, it typically includes an employee/claimant statement, an attending physician statement your doctor completes, and — for group or employer-sponsored plans — an employer statement confirming your job duties, last day worked, and salary. Every day these sit on a desk is a day added to your wait for a decision.

Track your claim through your account

After submission, sign back in to Ameritas Accounts and select “View Account” on the relevant policy to check status, message the claims team, or upload additional documents as they’re requested.

Individual vs. Group DI Claims: Know Which One You’re Filing

Ameritas sells both individual disability income insurance (a policy you bought personally, often through a financial professional) and group disability income insurance (coverage through your employer). The claim packet differs slightly:

Individual policies lean more heavily on your attending physician’s statement and your own claimant statement, since there’s no employer in the loop.
Group/employer policies add an employer statement, and — this matters — group long-term disability plans are frequently governed by ERISA, a federal law that sets strict, sometimes unforgiving deadlines for appeals if your claim is denied.

If you’re not sure which type you have, your policy declarations page or your HR benefits summary will say so — and it’s worth confirming before you file, because it changes your appeal rights later.

What to Gather Before You Even Request the Form

Claimants who move fastest through the Ameritas process usually have this ready before they make first contact:

Policy number(s) — check your declarations page or Ameritas Accounts
Your doctor’s name, practice, and contact information
The exact date your disability began, or the date you stopped working
A plain-language description of the injury or illness and how it limits your work
Your employer’s HR or benefits contact, if it’s a group policy
Recent pay stubs or income documentation, since benefit amounts are calculated from your pre-disability earnings

Mistakes That Slow Down or Sink a Claim

Disability attorneys who handle Ameritas appeals see the same patterns over and over. You don’t need a lawyer to avoid them — you just need to know what they are:

Missing the proof-of-loss deadline. Every policy has a window for submitting documentation. Mark it the day you request your packet, not the day it arrives.
Thin medical documentation. A diagnosis alone rarely proves you can’t work. Your physician’s statement should describe specific functional limitations — what you can’t lift, sit through, concentrate on, or stand for — not just a condition name.
Inconsistent dates or job descriptions between your statement and your employer’s statement. Reviewers flag mismatches immediately.
Not anticipating the “own occupation” to “any occupation” shift. Many long-term policies redefine disability after 24 months — from “can’t do your job” to “can’t do any job you’re reasonably suited for.” Claims are frequently re-evaluated at this point, so keep your medical records current well before the transition.

If Your Claim Is Denied

A denial letter is not the final word — it’s the start of an appeal window, and that window can be narrow. Ameritas is required to state its reason for denying a claim, and that reason is your roadmap.

Read the denial letter carefully and note the appeal deadline.
Request a complete copy of your claim file from Ameritas — you’re entitled to see what they reviewed.
Gather updated medical evidence that directly addresses the stated reason for denial, not just general records.
If your group policy is governed by ERISA, know that you typically get one administrative appeal before you can pursue anything further — so it needs to be thorough the first time.
Consider consulting a disability insurance attorney for a complex denial, particularly if it involves an “any occupation” redetermination or a claim of insufficient evidence.

Frequently Asked Questions

Where do I get the Ameritas disability insurance claim form?

There’s no single downloadable form. Sign in to Ameritas Accounts and message the claims team, or email disabilityclaims@ameritas.com, and Ameritas will send the specific forms your policy and claim type require.

What is the Ameritas disability claims phone number?

800-745-1112, available Monday through Friday, 7 a.m. to 5 p.m. Central Time.

How long does an Ameritas disability claim take to process?

Ameritas does not publish a fixed processing timeline, since it depends on how quickly your physician and, if applicable, employer return their statements. The single biggest factor claimants control is how fast they submit a complete packet with consistent, specific medical documentation.

Can I email personal information to file my claim?

No. Ameritas specifically warns against sending personal information to disabilityclaims@ameritas.com. Use the secure messaging feature inside Ameritas Accounts for anything involving your Social Security number or medical details.

What happens if Ameritas denies my disability claim?

Ameritas must state the reason for denial in writing, and you have the right to appeal. Request your full claim file, address the stated reason directly with updated evidence, and note that group ERISA-governed policies usually allow only one administrative appeal before further options are limited.

This guide is independently researched and written by the NittyBrain team for informational purposes and is not affiliated with, endorsed by, or sponsored by Ameritas. Always confirm current forms, deadlines, and contact details directly with Ameritas or your policy documents, and consult a licensed attorney for advice on a specific denial or appeal.