Principal: Fax Numbers for Insurance Claims

Which Principal fax number should I use?

Start with the coverage named on your policy or claim form. Principal separates employer-benefit claims from individual disability and individual life claims. Its official Insurance and claims page lists the following destinations. If your claims team has supplied different instructions for your specific submission, confirm that destination with them before sending.

Principal claim fax numbers by purpose

• Employer-benefit short-term or long-term disability: 800-255-6609 for completed printed claim forms. Principal also lists this fax for accident, critical illness, hospital indemnity, wellness, group life and life-premium-waiver claim paperwork on the same help page. Use the form for the applicable benefit.
• Paid Family and Medical Leave (PFML): Principal lists 800-255-6609 for the employee’s completed section. Follow the PFML form instructions for the other required sections.
• Individual disability: 866-317-4526 for claim information and supporting forms. The official page also lists IndividualDisabilityClaims@exchange.principal.com as an email route.
• Individual life insurance: 866-894-2096 for completed paper claim forms. Principal lists IndClaims@exchange.principal.com as an email alternative.
• Dental claims submitted by the member: Principal lists mail and email in its dental-claims instructions. Do not send these to one of the disability or life numbers simply because the insurer name matches.

These destinations were checked against Principal’s official help page on November 9, 2026. They do not establish a fax route for appeals, retirement paperwork or unrelated policy-service requests.

Prepare the right claim sections

For employer-benefit disability claims, Principal’s process requires information from the employee, employer and physician. Its online instructions say claim review cannot begin until all sections are complete. If using paper, download the current disability or pregnancy form linked on the official help page and follow the instructions for each person’s section. An employee’s successful fax does not establish that the employer and physician sections have arrived.

For an individual disability claim, the required packet differs. Principal’s help page lists claim and physician forms plus financial or employment documentation relevant to the claim. Follow that list and any request from your assigned analyst instead of reusing an employer-benefit packet. Do not attach unrelated medical or financial records.

For individual life insurance, Principal offers an electronic claim form and a paper route. Its instructions explain how to download the PDF from the form’s Options menu. Complete that form before using the individual-life fax.

When to submit disability and PFML forms

Principal says to file short-term disability as soon as you know the absence will exceed your elimination period, but no earlier than 30 days before disability begins. File long-term disability by the midpoint of the LTD elimination period. Submit PFML as soon as possible, but no earlier than 30 days before leave starts. Check the current instructions for your benefit.

Check the destination and keep your records

1. Confirm the policy type, current form and department. If you have both an individual policy and coverage through work, handle each claim according to its own instructions.
2. Check every required field, date and signature. Keep the exact copy you intend to send.
3. Use the claim reference supplied by Principal and any required cover page. Avoid repeating detailed medical information on a cover sheet.
4. After sending, save the transmission report and use the claim portal or claims team to confirm the paperwork was matched to your claim.

Before sending, use our insurance claim document checklist to check the forms, signatures, supporting records and page order. A successful fax transmission is not a claim decision or proof that the documents were added to the correct claim file. Keep the report and confirm receipt through the insurer.

Related insurance fax routes

If you are also preparing a separate claim with another benefits insurer, see the Unum claim fax guide or Aflac individual and Group claim routes. Each insurer’s forms and destinations apply only to its own claim.