Why Does the Insurance Company Want Me to Fill Out an Application for Benefits?

If you have a new insurance claim, your insurance policy probably requires you to do an Application for Benefits. It's a formality required in the policy.
The "Application for Benefits" is a common form the Insurance Company requires you to complete, sign and return to them after you report a new insurance claim. You are making an application, or request, that they pay insurance benefits under your policy. Typically, your policy will have a section that talks about your "duties" or obligations as the insured person. Those include cooperating with your company in their investigation, evaluation and (hopefully) payment of your claim. An Application for Benefits is usually considered to be part of that cooperation.

The Application will probably ask you to describe how the accident or incident happened and list what injuries or damages you've had. If it involves injuries, they will probably ask what medical doctors/providers you have seen. If it involves missed time from work it will ask who your employer is and will request salary and wage information.

It is important to return the Application for Benefits to your company. You don't want to give them any reason to deny your claim. Technically, failing to return this Application might give them a reason to deny coverage for your loss because you didn't comply with the insurance policy requirements.

The Application for Benefits usually has an Authorization for your company to get your medical and wage records. For example, if they are going to pay for your medical bills, they want to see the medical records to make sure the treatment actually was done.

If you have any questions, you should consider contacting a lawyer experienced in insurance claims. You should also not hesitate to ask the insurance adjusters questions. If you aren't satisfied with the adjuster's response, find out who the claims manager is and call them. That will get the aduster's attention because they report directly to the manager.