After You File – Next Steps

Our Accounting Services determines whether to pay a claim in full or in part, or to deny a claim.

Claims Decisions

We usually sends claims decisions within 5-10 days. You can also check Claim History in your email account for updates.

• Claim processing times depend on whether an item is damaged or lost.
• Claims for damaged items are usually processed more quickly than lost mail claims.
• Before processing lost mail claims, We will first perform a Missing Mail Search.

Approved Claims

• Your claim may be completely approved or approved in part. After your claim is approved, you should receive payment for the claim amount in 7-10 business days.
• We do not pay a claim higher than an item’s actual value.

Denied Claims

• Claims can be partially or fully denied.
• Your decision letter will list the reasons for the denial.

Making an Appeal

If your refund was only partially paid or completely denied, you may file an appeal within 30 days of receiving the decision.

First Appeal

• Submit your appeal the same way you submitted the original claim, whether online or by mail. You can start an online claim from your Claim History.
• Focus your appeal on the reasons your claim was denied.
• You may submit new documentation to support your appeal.

Final Appeal

If your appeal is denied, you can file a second appeal within 30 days of the date you received the appeal denial. Follow the same process for final review as for your first appeal.