What to do when a TMHCC account holder dies
Contact TMHCC's Surety Group (court, probate, and fiduciary bonds) — 5-step process, 9 required documents, and tmhcc does not publish a claims turnaround. worldtrips imposes deadlines on the claimant instead: report a loss within 30 days (or as soon as reasonably possible) and submit all documentation within 90 days of the date of loss.
Corporate Headquarters
Tokio Marine HCC, 13403 Northwest Freeway, Houston, TX 77040
Surety Group (court, probate, and fiduciary bonds)
Tokio Marine HCC - Surety Group, 801 South Figueroa Street, Suite 700, Los Angeles, CA 90017
Product-specific claims units (no central claims desk)
WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124
Filing a death claim on a TMHCC policy begins with notifying the Product-specific claims units (no central claims desk) at (800) 605-2282. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
TMHCC provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
To file a claim after an account holder's death, here is what TMHCC requires:
Filing a claim
- Report the loss within 30 DAYS of it occurring, or as soon as reasonably possible
- Submit all required documentation within 90 DAYS of the date of loss, unless it is not reasonably possible to do so
- File through the WorldTrips Member Portal at https://worldtrips.my.site.com/MemberPortal/s/login/ -- Claims & Appeals, then "Submit New Claim via DocuSign"
- Complete the Claimant's Statement and Authorization form; WorldTrips will also fax, email, or mail forms on request
- Supplement D (the HIPAA Authorization for Use and/or Disclosure of Protected Health Information) and Supplement B (Payment Authorization Agreement) are the named supporting forms
- By mail: WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124. By phone: (800) 605-2282.
- Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection claims run on a separate track: https://www.worldtrips.com/claims-resource-center/trip-protection
- These policies reimburse the EMPLOYER'S plan, not the family. A surviving spouse or executor does not file a stop-loss claim -- the plan sponsor or its TPA does.
- Deal with the deceased's outstanding medical bills through the employer's group health plan; the stop-loss layer is invisible to the family.
- TMHCC A&H claims contact, if the plan sponsor needs it: Chris Jennings, Senior Claims Manager, (770) 693-6483, cjennings@tmhcc.com, 225 Townpark Drive, Suite 350, Kennesaw, GA 30144. Main A&H line: (770) 973-9851. Forms and guides are published at https://www.tmhcc.com/en-us/claims/ah-claims
- If you are the executor or administrator and the court required a bond, TMHCC is your SURETY. You do not file a death claim -- you buy the bond through a licensed surety agent and file it with the court.
- A claim on the bond is filed AGAINST the fiduciary by a harmed heir, beneficiary, or creditor, at https://claims.hccsurety.com/cop/ -- have the bond number, the contracts, proofs of payment, estimates, and invoices ready
- Surety Group contact: (310) 649-0990, suretyonline@tmhcc.com, 801 South Figueroa Street, Suite 700, Los Angeles, CA 90017
Required Documents
- Certified death certificate
- The policy or certificate of coverage -- and, critically, the name of the ISSUING entity (Houston Casualty Company, TMHCC (CI) Insurance SPC Ltd, U.S. Specialty Insurance Company, HCC Life Insurance Company, American Contractors Indemnity Company, Texas Bonding Company, or United States Surety Company), which determines the claims unit
- WorldTrips: completed Claimant's Statement and Authorization form
- WorldTrips: Supplement D -- HIPAA Authorization for Use and/or Disclosure of Protected Health Information
- WorldTrips: Supplement B -- Payment Authorization Agreement form (for payment routing)
- Government-issued identification for the claimant
- Proof of relationship to the deceased where the benefit defaults to spouse, children, custodial parent, or siblings rather than a named beneficiary
- Letters Testamentary or Letters of Administration where the accidental death benefit defaults to the member's estate
- Surety bond claim: the bond number, plus contracts, proofs of payment, estimates to correct or complete, and invoices
Claims Contact
What to know at this institution
The single most useful fact for an executor here: Tokio Marine HCC has no consumer life insurance and no central claims desk. Match the issuing carrier on the policy to the right unit at https://www.tmhcc.com/en-us/claims. For a WorldTrips accidental death benefit, whoever was named on the APPLICATION is paid; if nobody was named, WorldTrips pays spouse, then children equally, then the estate (for an insured under 18: custodial parent(s), then siblings equally, then the estate). Only in that last default case does the benefit land in probate and require Letters. If the decedent was serving as an executor or trustee and TMHCC wrote the fiduciary bond, the bond is a liability of the administration, not an asset -- and heirs who were harmed by that fiduciary claim on it at https://claims.hccsurety.com/cop/.
Prepare your letter of instruction to TMHCC
TMHCC asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist TMHCC requires.
Build your letter of instructionExpected timelines at TMHCC: TMHCC does not publish a claims turnaround. WorldTrips imposes deadlines on the CLAIMANT instead: report a loss within 30 days (or as soon as reasonably possible) and submit all documentation within 90 days of the date of loss. Delays are almost always caused by incomplete paperwork—gathering all required documents before filing the initial claim helps avoid back-and-forth.
Documentation required by TMHCC includes Certified death certificate, The policy or certificate of coverage -- and, critically, the name of the ISSUING entity (Houston Casualty Company, TMHCC (CI) Insurance SPC Ltd, U.S. Specialty Insurance Company, HCC Life Insurance Company, American Contractors Indemnity Company, Texas Bonding Company, or United States Surety Company), which determines the claims unit, and WorldTrips: completed Claimant's Statement and Authorization form, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
Whoever was named on the APPLICATION. WorldTrips defines "Beneficiary" as "the individual named in your application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit." If no one was named, WorldTrips applies a default order. For a member age 18 or older: 1. spouse (if any), 2. children (if any) equally, 3. your estate. For a member under 18: 1. custodial parent(s) (if any), 2. siblings (if any) equally, 3. your estate. Only that third rung puts the money into probate and requires Letters. Two catches: Accidental Death & Dismemberment is an optional UPGRADE on Atlas Travel, not a standard benefit, so check the plan actually carried it; and because the beneficiary must be an individual, a revocable trust cannot be named to receive it.
WorldTrips requires the loss to be reported within 30 DAYS of it occurring, or as soon as reasonably possible, and all required documentation to be submitted within 90 DAYS of the date of loss, unless it is not reasonably possible to do so. That is a short clock for a family still repatriating a body. File through the WorldTrips Member Portal at https://worldtrips.my.site.com/MemberPortal/s/login/ (Claims & Appeals, then "Submit New Claim via DocuSign"), or call (800) 605-2282 and have the forms faxed, emailed, or mailed. The named forms are the Claimant's Statement and Authorization form, Supplement D (the HIPAA authorization), and Supplement B (the payment authorization). Mail goes to WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124.
Yes, and it is a cost of administering the estate, not an asset of it. TMHCC's Surety Group writes Court Judicial Probate & Fiduciary Bonds for executors, administrators, guardians, conservators, and trustees, through four carriers: American Contractors Indemnity Company, Texas Bonding Company, United States Surety Company, and U.S. Specialty Insurance Company. The bond guarantees YOUR performance to the heirs and creditors -- if you mishandle the estate, they claim against it and the surety comes after you. It pays nothing to the estate. Bonds are placed through licensed surety agents; availability varies by state. Surety Group: (310) 649-0990, suretyonline@tmhcc.com.
A fiduciary bond claim is filed by the HARMED PARTY -- an heir, beneficiary, or creditor -- not by the fiduciary. Tokio Marine HCC Surety takes these through its Claim on Bond portal at https://claims.hccsurety.com/cop/. Have ready the bond number (or the fiduciary's license number), plus your contact information, the relevant contracts, proofs of payment, estimates to correct or complete, and invoices. The portal asks up front whether you hold identifying information for the entity you are claiming against, so pull the bond number from the probate court file before you start. You can also reach the Surety Group directly at (310) 649-0990 or suretyonline@tmhcc.com.
TMHCC's Product-specific claims units (no central claims desk) can be reached by phone at (800) 605-2282 and email at cjennings@tmhcc.com for questions throughout the claims process.
If the deceased held multiple TMHCC policies, each may require a separate claim or have different documentation requirements. The Product-specific claims units (no central claims desk) can confirm which accounts require individual attention and which can be processed together.
Sources
Data sourced from TMHCC primary sources (18 pages reviewed). How we research.
Corporate Headquarters
Tokio Marine HCC, 13403 Northwest Freeway, Houston, TX 77040
Surety Group (court, probate, and fiduciary bonds)
Tokio Marine HCC - Surety Group, 801 South Figueroa Street, Suite 700, Los Angeles, CA 90017
Product-specific claims units (no central claims desk)
WorldTrips Claims Department, PO Box 240358, Apple Valley, MN 55124
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