Please refer to your Certificate of Insurance or Policy. The Schedule of Benefits page gives highlights and policy benefit maximums. The complete policy provides descriptions and specifications for each policy benefit. If you are unable to locate your Certificate of Insurance or Policy, you may download a Request For Duplicate Policy form, which includes the mailing address and Fax number for the Customer Service Department.

You may download claim forms here. You must first select a product type; then select your industry and state of residence, to insure you receive the proper claim form.

We must receive:

1. a completed claim form,
2. itemized bills from the provider,
3. Explanation of Benefits (EOBs) correlating with the itemized bills, and
4. the diagnosis for each itemized bill.

To file a claim for a Diagnostic Test Benefit or a Mammogram Benefit, we must receive:

1. a completed claim form, and
2. provider documentation of the Diagnostic Test or Mammogram.

The documentation could be an itemized bill or the pathologist, radiologist, or physician's results of the test. The test results must include the patient's name, date of test, type of test, and the provider's name, address, and phone number. To file a claim for services relating to a Positive Diagnosis of Cancer we must receive:

1. the pathologist's report first confirming the positive diagnosis of cancer, also
2. a completed claim form,
3. itemized bills, and
4. the diagnosis for each itemized bill.

We must receive:

1. a completed claim form,
2. office notes or medical records

We must receive:

1. a completed claim form, which must be completed in full and signed by you, your employer and the attending physician. Please note that failure to have all three sections completed and signed by the appropriate parties will result in a delay in processing your claim.

We must receive:

1. a completed claim form,
2. a certified copy of the insured's death certificate.
3. Letters of Administration or Letters Testamentary, if claim is being filed by an Executor or Administrator.

PLEASE NOTE:  If you are a current Life Division or former Mid Continent Life Policyholder, you can obtain your life claim forms here.  Select your state and choose the Industry labeled "Other".

If the Annuitant worked in Education and is deceased, please contact Annuities Services Department at 1-800-662-1106. For information concerning an Annuity from the Life Division please call (405) 523-5025 or 1-800-662-1113. If the Annuitant worked in Business, Industry or Government and is deceased, please call 1-800-437-1011.

The mailing address for the Benefits Department is included on the claim form. You may fax your claim form and other required documents to our toll free fax number included on the claim form. To send information by overnight delivery, our physical address is: 2000 N Classen Boulevard, Oklahoma City, OK 73106-6092

Sign up for a secured account through our Online Service Center and submit Flexible Spending Account claims, view claim status, download or print a copy of your insurance policy, and more.  Once your claim has been processed, you can view claim details securely online.

Please report suspected fraudulent activity with American Fidelity's Special Investigations Unit (SIU). You have the option to remain anonymous.

Variable annuity fund performance or a variable annuity product prospectus can be found in the customer support section of our website.

If you have established an online account you can update your address by clicking on the "Account" tab top of  the Online Service Center home page. You will then select the address change icon or tab. If you have not established an online account, you can download and complete the Change Address Form.

Please refer to your Certificate of Insurance or Policy.

The Schedule of Benefits page gives highlights and policy benefit maximums. The complete policy provides descriptions and specifications for each policy benefit. If you are unable to locate your Certificate of Insurance or Policy, you can download a Request For Duplicate Policy form, which includes the mailing address and fax number for the Customer Service Department. You can also request a duplicate policy by calling the Customer Service Department at 1-800-654-8489 from 8:00am to 4:45pm CST. If you have a specific question about coverage, please contact our Benefits Department.

There are several options.

• If you have established an online account you can access your certificates by clicking the Account Summary on the Online Service Center Home page when you login. Under the Policy Information heading, you can click on the icon and either view or print your policy document. The specified policy coverage must be active in order to view or print the document.

• You can mail a request to: American Fidelity Assurance Company PO Box 25523 Oklahoma City, OK 73125-0253

• You can call Customer Service at 1-800-654-8489 from 8:00 am to 4:45 pm CST.

• Or, you can contact Customer Service.

Yes. If you have established an online account you can access your certificates by clicking the Account Summary on the Online Service Center Home page when you login. Under the Policy Information heading, you can click on the icon and either view or print your policy document. The specified policy coverage must be active in order to view or print the document. Online access is NOT available for Annuity Policies.

Most of your inquiries and requests can be handled in the home office. Please contact Customer Service.

From the Login page, select the link under Need Login Assistance. You will be asked to complete some information and then you will see a confirmation screen that includes your username. As an additional security measure, a temporary password will be emailed to you. If your email address has changed from the one on record, you will need to contact Customer Service so we can update your information before you complete the above steps.

From the Login page, select the link under Need Login Assistance. You will be asked to complete some information and then a temporary password will be emailed to you. If your email address has changed from the one on record, you will need to contact Customer Service so we can update your information before you complete the above steps.

You must first login to the Online Service Center, click "My Profile" on the top menu. From there you can update your information.

Please contact Customer Service if you currently pay your insurance premium by EFT/bank draft or by a direct-billed premium notice and you would like to change your payment method.

Please contact Customer Service to request cancellation of your insurance. Or you can mail the request to: American Fidelity Assurance Company PO Box 25523 Oklahoma City, OK, 73125-0523

Please contact our Customer Service Department to determine the current beneficiary of your policy.

You can download the Change Insurance Policy Beneficiary form or Change Annuity Policy Beneficiary form.

If you have coverage with American Fidelity you can download the Bank Draft Authorization form. If you have Life Division or Mid-Continent coverage, please contact Customer Service.

Please contact our Customer Service Department to obtain policy loan or policy cash value information.

Please contact our Customer Service Department to obtain cash surrender values and/or forms.

Claim forms are available through afadvantage.com. The Benefits FAQ section also provides information about submitting a claim for benefits.

Please report suspected fraudulent activity with American Fidelity's Special Investigations Unit (SIU). You have the option to remain anonymous.

It is a way to set aside money on a pre-tax basis for your out of pocket medical, dental, vision and dependent care expenses for a benefit year. There are two types of accounts: Health Flexible Spending Account (Health FSA) or also known as an Unreimbursed Medical (URM) Account and Dependent Day Care Flexible Spending Account (DDC).

No. The dollars must be used in each account as specified on the election form.

Yes, simply visit our secured site to register for access.

Claims will begin processing as soon as they are received. To better save you time, sign up for direct deposit using your Online Service Center account and our mobile app, AFA Mobile^TM. Learn more at www.americanfidelity.com/mymoneyfaster.

We receive a very large volume of faxes daily.  They are tracked in our system by the date received.  You can include your e-mail address on your election form or reimbursement voucher.  Once your e-mail address has been entered into our system, you will receive notifications when your claim is received, when it has been processed, and of a direct deposit.

Claims must be received in our office on or before the last day of the run-off period. American Fidelity will not honor claims received after the run-off ends.

URM stands for unreimbursed medical and DDC stands for dependent day care.

A new claim must be filed with a voucher and the additional documentation being requested.

Eligible medical expenses include deductible and coinsurance amounts under a group health plan, charges that are in excess of the amount reimbursed under a group health plan, medications, vision care, dental care and hearing aids. For a more complete list, please see the Eligible Expenses list.

We need a Health FSA reimbursement form along with a professional receipt or an itemized statement from the medical provider of service that includes:

1. Original date of service,

2. Type of service rendered,

3. Charge for the service, and

4. Provider of service.

Effective January 1, 2011, you must provide a medical practitioner’s prescription in order to be reimbursed for over-the-counter drugs or medicines. Please refer to the eligible expense chart for additional information.

Some expenses require a doctor’s statement to justify the expense.  When a doctor’s statement is required, it should be on the doctor’s letterhead (or prescription pad) and should state that the treatment or expense is necessary to treat the specified medical condition.

Stockpiling is the purchase of more over-the-counter drugs than can be used during the current plan year. I.R.S. guidelines do not allow stockpiling of over-the-counter drugs in order for a participant to use up their annual election under the plan.

You may submit your claims as often as is convenient for you.  Because of the increased volume of claims submitted at the end of the calendar year, the processing time may be longer than during the rest of the year.  We would suggest submitting claims all throughout the plan year to avoid delays.

No. Once we receive the first deposit you can be reimbursed up to your annual election.

If your employer allows for the grace period on the unreimbursed medical expense account, you will have an extended length of time after the end of your plan year to incur and submit claims. At the end of the grace period, you will have an additional length of time (the run-off period) to submit claims that were incurred during the immediately preceding plan year and/or grace period following that plan year. Please consult your employer for details pertaining to the grace period.

If your employer does not allow for the grace period on the on the unreimbursed medical expense account, you will have a run-off period after your plan year ends during which you may submit claims for reimbursement which were incurred during the immediately preceding plan year.

The cost for mileage which is primarily for medical treatment may be reimbursed through the Health Flexible Spending Account (Health FSA) / Unreimbursed Medical (URM) Account by either submitting a Medical Travel Log, or by submitting all of the required information listed on the Medical Travel Log, with your voucher.  This would include the number of miles traveled, reason for treatment, who the treatment was for, where the facility was located, and the dollar amount that is being claimed.

Qualifying dependents must meet specific criteria, established by the I.R.S., in order to qualify for Dependent Day Care expense reimbursement. For detailed information, please see the Qualifying Dependent Guidelines.

You will be reimbursed for the amount in your account, the balance of the expenses will be forwarded to you as additional deposits are received for your account.

If a spouse does not work, is not looking for work, and is not disabled or a full-time student, daycare expenses are not reimbursable. If your spouse is either a full-time student or not able to care for himself or herself, your spouse will be considered to have earned income of $250 a month if there is one qualifying dependent in the home, or $500 a month if there are two or more qualifying dependents in the home. Therefore, you would be limited to $3,000 per year (for one qualifying dependent) or $5,000 per year (for two or more qualifying dependents).

A Health Flexible Spending Account (Health FSA) is another name for the Unreimbursed Medical Account (URM).

Effective January 1, 2011, you will be required to submit a medical practitioner’s prescription, along with a receipt and completed voucher, in order to be reimbursed for over-the-counter drugs and medicines purchased on or after this date.  If the item is not a drug or medicine, but is considered a dual-purpose item, then you will need to submit a doctor’s statement explaining the need for the item in order to be reimbursed.  Please refer to the eligible expenses list for additional information.

You will need to submit the Dependent Day Care Voucher/Acknowledgment Form. If you are only claiming daycare expenses, you can use the combination form.  If you are claiming both medical expenses and daycare expenses at the same time, you will need to submit the Expense Reimbursement Voucher and the Dependent Day Care Provider Acknowledgment Form.  The form must include the tax ID or individual social security number of the provider.

The only way the Dependent Day Care Expense Account may be cancelled is if you have experienced an allowable election change event. Otherwise, the plan will remain in force until the end of the plan year.

Dependent Day Care reimbursements are paid up to the amount available in the account. If a contribution is posted and there is a pended amount (claims in excess of deposits) then we will automatically pay on the pended amount. As additional claims are received, we will continue to send reimbursements up to the amount that has accumulated in the account.

After your election information is received and processed by American Fidelity’s Flex Department, your card will be issued and sent to your home address.

You can request an Online Account from our home page by clicking on the Online Services link. Then select the link for Administrator Accounts. Online access is NOT available for Annuity Policies.

There can be several reasons for the delay:

• Your invoice may have been delayed in order to process changes.
• If you have elected Online Billing, you will no longer receive a paper invoice.
• Incorrect mailing address.
• Delivery error.
• Flex invoice has not generated. Please contact Customer Service for further information.

If you have established an online account, you can notify us online when you login. You can also indicate the date of the termination on your invoice or notify us by fax.

If the employee has only a flex account, they will not appear on the MCP/Employee List. In order to terminate an employee who only has a flex account, contact Customer Service or terminate the employee when you reconcile your invoice.

If your spam filter does not accept batch generated email, you will not receive our notification. For further information, contact customer service or contact your email administrator.

When you access Billing from the Online Service Center home page, select the View More Preferences link under Default Preferences, then select the Set Bill Notification Preference link. Enter new or update and save your changes.

If you have established an online account, you can print your invoice by selecting the Online Bill option when you login. Online access is NOT available for Annuity Policies.

It depends on the type of invoice.

• Your Flex invoice has several available options. If you are an auto retail, health care facility, municipality, or business administrator, contact Customer Service. If you administer an Education group, contact the Flex Department.
• Your Product invoice has several available options. Contact Customer Service for assistance.

No. The two available payment options are check and EFT.

An application will need to be completed. Contact your account representative or contact Customer Service.

There are several ways to change an employee’s address:

• If you have established an online account, you can notify us from the "Group Admin" tab on the OSC home page, "MCP/Employee Info" tab or icon.
• You or the employee can download and complete the Change Address Form.
• Indicate the address on your invoice.
• An employee who has established an online account can update their address information online.

There are a couple of ways to change an employee’s name:

• Select the Name Change feature during online reconciliation.
• The employee can download and complete the Notice of Change in Name Form.

Employees must contact their Group Administrator. If the coverage is part of a Section 125 plan, refer to your plan document before making any changes. Please contact Customer Service for the correct form. If you administer a Business or Industry group, the recommended Cancellation of Coverage Request Form is available to download from the website.

If you have established an online account, you can pay by EFT by selecting the Billing option when you login.

Yes. If you have established an online account, you can reconcile your invoices by selecting the Billing option when you login.

If you are a bookkeeper and either leave your employer or change positions, you need to contact American Fidelity so we can close your account and set up the new bookkeeper with an updated e-mail address.