Claims Process & Eligibility

We know how difficult it is to navigate practical matters during times of grief. This guide explains who is eligible to submit a claim, what documents are required, and how our process works. While we can’t guarantee every request will be approved, we are committed to showing up with integrity, compassion, and transparency every step of the way.

Effective Date: 05/15/2025

Who Can Submit a Claim

Claims may only be submitted by:

• A primary subscriber with an active paid membership
• An adult group member (age 21 or older) officially listed under the primary subscriber’s active paid membership

Note:
If a group member (age 21+) passes away unexpectedly, we allow any other adult listed under the membership to initiate the claim — so there’s no delay in accessing available support.

When To Submit a Claim

To keep things fair and timely for all members, support claims must be submitted within 14 days of the group member’s passing.

We’re here to help when everything moves fast — but we can’t honor claims for losses that occurred more than 14 days before submission, or before the coverage period began.

Waiting Period:
To protect the sustainability of our community fund and ensure fairness to all members, there is a mandatory waiting period of 12 months from the date a new membership begins before any claim can be approved. This helps us reduce risk and prevent misuse while preserving long-term access for those who need it most.

Dead Serious reserves the right to verify membership duration before processing any claims or service requests.

We’re upfront and transparent about this because we want to build something that truly lasts. If you have questions about your waiting period status, just reach out — we’re happy to help.

To be eligible, a claim must:
• Be submitted within 14 days of the date of death
• Include valid documentation (see Required Documents)
• Be submitted while the membership is active and in good standing

Counseling and Printing Services Activation:
These services are selected as part of the Claim Submission Form. You’ll have the option to either: • Opt in and receive digital gift cards that cover memorial printing and grief counseling services. These are provided through partner organizations and can be used at any time, in the way that works best for you. Please note: there is no cash payout option for these benefits, as they are intended to directly support counseling and memorial needs.

• Opt out and pay it forward, allowing those funds to remain in the community pool to support others in need and sustain the mission.

Eligibility Criteria

To qualify for any available benefits (payouts, grief counseling, or printing services), the following must apply:

• The deceased individual was listed as a covered group member under an active paid membership
• The claim is submitted by the primary subscriber or a listed adult group member no more than 14 days after the date of death
• All required documentation (listed below) is submitted and verified
• The fund has sufficient resources at the time of the request

Required Documents

To initiate a claim, the following must be completed:

1. Claim Submission Form (completed)
2. Valid proof of identity of the claimant
3. Official death certificate or other legally acceptable proof of death
4. Membership confirmation (subscriber name, email, and list of covered group members)
5. Statement of responsibility confirming the submitting member is managing, organizing, or contributing to the end-of-life arrangements

We may request additional documents if needed to verify identity or eligibility.

Claim Review Timeline

We aim to review, and process claims as quickly as possible — usually within 3–7 business days.

Incomplete or missing documentation will delay the process, so please review your submission carefully before sending it in.

You’ll receive a confirmation email when your claim is received, and we’ll follow up promptly if we need any additional information. Once your claim is reviewed, we’ll notify you of the outcome and any next steps for receiving services.

Important Notes & Limitations

• Claims are not guaranteed to be approved, even if all documents are provided
• Payouts and services are subject to fund availability at the time of the claim
• If funds are low, we may offer partial support or alternative resources

We reserve the right to deny claims for:
• Incomplete or fraudulent submissions
• Ineligibility (e.g., person was not listed as a group member)
• Misuse or abuse of the service

Access to grief counseling and memorial printing services is contingent upon the successful submission and approval of a valid support claim by a paid member.

Loyalty-Based Benefit Increases

Members enrolled for 10 consecutive years without filing a death benefit claim are eligible for the Ride-or-Die Reward. This benefit increases the cash payout value by $1,000 every 5 years of uninterrupted, active membership thereafter. Eligibility requires continuous, on-time payments and no prior claims made on behalf of the member or their group. The increase applies automatically and is non-transferable. Dead Serious reserves the right to pause or adjust benefit increases in cases where fund sustainability is at risk, with advance notice provided to members.

Our Commitment to You

We understand this process comes at a painful time. While we can’t promise outcomes, we can promise honesty, effort, and compassion. If you have questions or concerns, we’re here for you.
Reach out at support@deadserious.living