Products FAQs Find a Form About Us Find an Agent Contact Us Canada Customers Make a Merit Payment Questions? 1-800-307-0048 FAQ Quick Links Premium Payments Policy Service General Claims – Life Claims – Disability Claims – Involuntary Unemployment Collateral Protection Insurance Matters Why Is Credit Insurance Important? Is Credit Insurance Right For Me? Is Group Insurance Enough? What Is Creditor Insurance? Why You Need Creditor Insurance Debt And Death Disability Risks Odds Of Disability Frequently Asked Questions Premium Payments Click on the links below to view the answer you need: How is the premium collected? How can I pay my Merit Life premium payments? How do I set up automatic premium payments to be deducted from my bank account? How do I change the bank account from which premium payments are deducted? How do I change the frequency of my automatic premium payment? Policy Service Click on the links below to view the answer you need: How do I change my beneficiary? How do I change my address? How do I request a copy of my policy/certificate? Can I cancel my insurance? General Click on the links below to view the answer you need: What are your hours of operation? How do I contact the insurance company? How do I file a claim? How long does it take to process a claim? Claims – Life Click on the links below to view the answer you need: Is an original death certificate required? There are multiple beneficiaries on this term life policy. Do we each need to complete a claim form? Claims – Disability Click on the links below to view the answer you need: How are disability benefits paid and to whom are benefits paid? If I am receiving Social Security Disability benefits, do I still need to submit a claim form? If my coverage has a waiting period, when should I complete the claim form? If I am totally and permanently disabled, will credit disability insurance pay off my loan? Are there any exclusions in my disability coverage? Claims – Involuntary Unemployment Click on the links below to view the answer you need: What if my previous employer refuses to fill out their section of the claim form? If my coverage has a waiting period, when should I file a claim? What if I am not yet receiving state unemployment benefits? I have filed an appeal with the state unemployment office. Can I still file a claim? What if I am receiving severance/final vacation/sick pay? I was denied state unemployment benefits. Can I still file a claim? Why does the employer need to complete the claim form if I am being paid state unemployment benefits? Why do I need to send benefit information from the state unemployment office? How are my unemployment benefits paid and to whom are benefits paid? What if I voluntarily quit my job? Collateral Protection Click on the links below to view the answer you need: What does CPI, VLDI, and ASI cover? Is vehicle rental expense covered? Is there an insurance card for the auto policy? Why didn't the insurance pay the actual cash value of my vehicle under my CPI coverage? What does VLDI and ASI coverage pay? After my accident, the police towed my vehicle and I don't know its current location to file a claim. What should I do? How do I obtain funds to make repairs? Pictures of my claim damage are on my phone. How can I send them to OneMain Solutions? How do I obtain a police/fire report? Contact Us Legal & Privacy Copyright © 1996-2021, OneMain Solutions. All rights reserved.