What is a Claimant?

Mary McMahon
Mary McMahon

A claimant is someone who files to receive benefits. A classic example of a claimant might be someone who has become unemployed, and who can thus file for unemployment benefits from the government. Usually, when a claimant files a claim, evidence must be presented to verify the claimant's identity and support the claim. If a claim is denied, the claimant may have legal options, including taking the case to court.

Businesswoman talking on a mobile phone
Businesswoman talking on a mobile phone

Claimants have some sort of legal claim on something such as an insurance policy, an estate, a government benefits program, or so forth. Eligibility standards for claimants vary, depending on the situation. Someone who has a claim on an estate, for example, would need to submit proof that she or he is owned monies under the estate; a funeral director, for example, would be a claimant on an estate. Someone claiming benefits under insurance would need to demonstrate that a situation for which benefits would kick in has occurred, and is covered by the policy.

In many cases, standardized forms are present for claimants to use to make a claim. The form is used to provide basic details about the situation and the claimant which can be used to determine eligibility. For example, if a claim on a car insurance policy included the note that the claimant was driving recklessly at the time, the damage might not be covered under the terms of the policy. Assuming that the claim appears to be legitimate, benefits can be issued under the terms of the benefit agreement.

If a claim is denied, the claimant usually has the right to appeal, asking for another review of the case by another party. During the appeal phase, claimants may be able to submit more supporting information, and a deeper investigation may be conducted by the organization attempting to deny the claim. Once an appeal has been exhausted, the claimant either needs to accept the decision, or take the case to court, demanding legal remedy. A lawyer can review the case to determine whether or not a court case would be productive.

Claimants would do well to be well organized when filing claims. Organizations such as insurance companies prefer to avoid making payouts, if possible, and errors or gaps in the information on a claim can lead to a denial. Some people like to ask for professional assistance with filing claims to ensure that the process will go smoothly.

Mary McMahon
Mary McMahon

Ever since she began contributing to the site several years ago, Mary has embraced the exciting challenge of being a wiseGEEK researcher and writer. Mary has a liberal arts degree from Goddard College and spends her free time reading, cooking, and exploring the great outdoors.

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Discussion Comments

indemnifyme

@KaBoom - A lot of people are in the same boat right now with unemployment.

I would just like to give people who are filing claims on insurance policies a few tips. First, file your claim in a timely fashion. The events will be fresh in your mind and so will the evidence to back up your claim. Second, be truthful especially in a claim on your car insurance. The inspectors will figure it out if you are lying and it could affect how your claim is settled.

Filing a claim can be a little bit stressful but it's worth it in the end to get the benefits.

KaBoom

I know a lot of claimants right now! So many people are without jobs that I know a ton of people who had to file for unemployment.

The article is right when it talks about having to fill out forms. The amount of paperwork to do and hoops to jump through to get unemployment is astronomical. Then more paperwork if you actually want to continue receiving the benefits!

I'm glad I've never had to deal with filing for unemployment. It sounds like at least a part time job in itself.

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