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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old May 17, 2017, 6:45 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: threeoh
Overview
Many Chase cards, including Sapphire Preferred and Reserve and MileagePlus Explorer, come with three different kinds of travel protection:

Trip Delay: This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500

Trip Cancellation: This reimburses you for travel expenses (tickets, hotels) you have to cancel because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. If you re-use your old tickets, it covers the change fee (but not fare difference). Max: $10,000 for CSR/CSP, $1,500 for MPE

Trip Interruption: This is similar to Trip Cancellation, but reimburses you for travel expenses (tickets, hotels) you have to cancel because you cut your trip short for a covered reason (illness, etc.). It mostly covers pre-paid expenses, not new expenses. Exceptions: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility. Max: $10,000 for CSR/CSP, $1,500 for MPE

No coverage on the Chase cards will pay for new expensive tickets home.

How to file a claim:
- go to http://eclaimsline.com/ , or
- call 1-888-675-1461

Guide to Benefits:
Read it! CSR - CSP

Trip Delay FAQ and experiences

This reimburses you for incidental expenses if your travel is delayed, for example by weather, mechanical, or missed connection. It only covers new expenses such as hotel, local transit, taxis, meals, toiletries, clothes, etc. that are caused by the delay. It does not (usually) cover the cost of onward travel or any pre-paid expenses. Max: $500

How long does the delay have to be? 6 hours for CSR, 12 hours for CSP and MPE, check your guide to benefits for other cards. Also kicks in if the delay is "overnight".
Are delays because of weather and mechanical problems covered? Yes.
Who is covered? Only you, your spouse, your dependent children under 22. For large meals (multiple main courses), people have been asked what portion of the meal was consumed by covered travelers.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their spouse and dependent children.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the flight that is delayed with the Chase card? Yes.
Do I have to use my Chase card to purchase hotel/meals/etc. I am hoping to have covered? No, you can use any card, or cash. Just keep your receipts.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 1 year. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
Does it cover alcohol? Recent reports indicate yes; some older reports of alcohol being denied.
Does it cover tips? Recent reports indicate yes, up to 20%; some older reports of tips being denied.
My airline is offering a voucher for a hotel, but I skipped the voucher line and booked my own hotel. Am I covered? Reports point to yes, as long as you did not actually take the airline up on their offer.
Rather than staying in a hotel, I'd rather rent a car / buy a walk-up fare on another airline. Will this be covered? Mixed reports. In general this coverage is meant for expenses incurred during a delay, not onward travel.
How do I show the reason for the delay? The coverage requires a statement from the carrier indicating the cause of the delay. If your document doesn't state the cause of the delay, it probably will not work. One possibility is to get a military excuse while at the airport; another is to screenshot the carrier's website or app if it shows the cause. You can also write after the fact to get a delay letter: United: [email protected] , Delta , American. Make sure to request that the delay letter state the cause of the delay. For other carriers contact their main customer service.
Am I covered if my flight is cancelled and I am rebooked on a later flight? Yes
Am I covered if my flight is slightly delayed and I miss my connection, causing a longer delay? Yes
Am I covered at my home airport? Maybe. This report of someone being covered after appeal for hotel in Newark when EWR flight was delayed, lives in NJ but not Newark. Guide says "You are not covered for any Covered Hazard delay that was made public or known to you prior to the departure for the Covered Trip [a period of round-trip travel (meaning departing from and eventually returning to your primary residence) that doesn’t exceed three hundred and sixty- five (365) days away from your residence to a destination other than your city of residence.]".
I was delayed on my outbound and claimed $500. Now am I delayed on my inbound. Am I covered? One report on this thread of two reimbursements for two different delay incidents on a single ticket. Chase says "per trip" on the phone, but Guide says "per ticket". So a round-trip ticket may not cover two delays, but two one-ways could. Need more data on this.

Experiences:

  • 01/2014 - Delayed in MSP overnight due to mechanical issues. ~$300 for Hotel Ivy downtown, meals, and ground transportation covered with no issues. Benefits applied to AMEX FHR. Claim processed within 1 week. [Full Report]
  • 02/2014 - Flight was cancelled due to weather; booked Amtrak with points, which was then delayed because of downed electrical wires; rented a car and drove home. Used print out from flightaware.com to show flight was cancelled, claimed non-points dollar amount for Amtrak ticket, got Chase (not insurance) to request receipts from vendors that weren't saved by OP. All was covered. Full report
  • 04/2014 - Delayed in DTW overnight due to crew member time-out. ~$400 for DTW Westin and meals covered with no issues. Claim processed within 1 week. Full Report
  • 07/2014- Delayed in MSP overnight due to weather at destination. Booked Marriott Mall of America for $120, and meals for 3 and a shirt were all covered. Recommend keeping new and old boarding passes.
  • 12/2014 - Trip delay in WAS (flight was delayed because of MX causing misconnect and overnight. Reward flight with taxes+fees on Chase card. OP + wife were covered $632 for a for a room, dinner, and taxi roundtrip from the airport. Gratuity was not reimbursed and could not convince them to after a phone call. Hotel Was $380 after tax and this was not a problem.
  • 07/2016 - Delayed in YYC overnight due to mechanical problems. Claim paid out ~$300. Full report.
  • 7/2017 - Delayed in EWR due to thunderstorms. ~$390 for hotel, uber, meals. Claim processed within a week, no issues. Full report.
  • 9/2017 - Delayed in EWR due to Harvey. ~$499 for hotel, ubereats. Claim processed in 7 business days
  • 1/2017 - $625 covered on two tickets on JetBlue award flight with taxes+fees on Chase in FLL. Missed connection due to Mx. Incl. $65 at Walgreens, r/t uber to hotel, uber home, $265 hotel, $180 meal. Tax, tip, and alcohol covered.
  • 06/2017 - $258 covered for overnight delay hotel/dinner. Did not cover $50 to pick a seat on next day's flight. Full report
  • 08/2017 - covered during ATC equipment failure leading to cancelled flight
  • 08/2017 - covered with flightaware showing delay, no direct statement from carrier. Booked dummy return flight on Southwest to 'comply' with r/t requirement.
  • 12/2017 - covered for forced overnight due to ATL "Power Outage". Entire ticket, including taxes, was paid for using Ultimate Reward points through my Reserve account. There was no credit card charge showing on my account.
  • 1/2018 - covered for $500 including hotel tips, a drink, and minibar snacks w/ no receipt (but showed credit card statement with purchases listed)
  • 1/2018 - covered rental + gas to drive to int'l gateway when feeder flight was cancelled.
  • 3/2018 - covered int'l phone calls, roaming cell phone data (submitted phone bill), storage locker, and hotel.
  • 4/2018 - covered hotel, meals/snacks, cold medicine, Uber ground transport for overnight due to weather. Award ticket with taxes/fees on CSR.
  • 5/2018 - covered $250 in hotel, uber, two meals after missing a connection in a "painless but slightly drawn out" process. Had to request a different delay letter because first one didn't state cause of delay. Total turn-around time 40 days including re-requesting delay letter.
  • 11/2018 - covered $300+ in hotel, 2 Ubers, 3 meals; did not cover seat charge or Uber home; originally booked with UR points (no CC charge)
  • 7/2019 - covered $400+ in hotel, rental car, 3 meals, clothing/toiletries for me, wife and son for 24 hour delay; award tickets with taxes/fees in CSR.

(A previous thread that dealt with travel delay compensation has been closed and all future issues with travel delays & cancellations will be handled here. The last 4 posts from that thread have been merged into this one. The closed thread can be found here.)

For one overview of when you're covered and how to file a claim, read this blog post. The Milewriter @ Saverocity compiled a lot of information from this thread, and thanks all the contributors.

Trip Cancellation / Trip Interruption

This reimburses you for travel expenses (tickets, hotels) you have to cancel or interrupt because of covered reason (illness, etc.). It only covers pre-paid expenses, not new expenses. Max: $10,000 for CSR/CSP, $1,500 for MPE

Trip Interruption only covers a few new expenses: If you re-use your old tickets, it covers the change fee (but not fare difference); it covers charges to return rental cars early to a different location; and covers up to $250 to get to/from the airport or medical facility and from the airport to your home.

What are covered reasons? Illness or injury or death (with documentation) of you or family, severe weather, change in military orders, terrorism, jury duty or subpoena, uninhabitable dwelling, quarantine, or if your travel supplier goes bankrupt. Pre-existing medical conditions are not covered.
Who is covered? CSP/CSR: Extended family: You, your Spouse or Domestic Partner and their children, including adopted children or step-children; legal guardians or wards; siblings or siblings-in-law; parents or parents-in-law; grandparents or grandchildren; aunts or uncles; nieces or nephews. MPE: You, spouse/domestic partner, dependent children.
Does it cover Authorized Users? Apparently yes, as long as their name is "embossed on the card", as well as their extended family / immediate family depending on the card.
I bought reward tickets but paid taxes/fees with my card, am I covered? Yes.
I bought reward tickets with Chase UR points, am I covered? Yes.
Do I have to buy the travel arrangements with my card to be covered? Apparently now this is "yes", you have to pay for "some portion" of each travel arrangement (hotel, flight, etc.) for that arrangement to be covered.
What kinds of pre-paid travel arrangements are covered? "airline tickets, train tickets, bus tickets, prepaid tours, hotels, and rental cars."
What kinds of pre-paid travel arrangements are not covered? "Event Tickets or prepaid fees to theme parks, museums, golf courses, or other points of interest"
I got ill during a trip and had to buy really expensive tickets to fly home. Will I get reimbursed? No. If you can't use your original tickets, this will reimburse you for those -- but new tickets are on you. If you change your original tickets, this will cover the change fee only. It does not pay for fare difference or new tickets. It will pay up to $250 to get you to/from the airport or train station, medical facility, and to your residence after you land at your home airport.
I got ill and need to cancel my trip / return early. What documentation do I need? Generally a letter from a physician or other medical person. There is a special claim form for the doctor to fill out but a sufficiently detailed letter from the doctor can work too.
Does the travel have to be round trip? Yes, but your ticket does not have to be. You must depart from your place of residence and return to your place of residence within 60 days. The round-trip travel can involve different tickets on different carriers, open jaws, etc.
My flight was cancelled. Am I covered? Probably not. Only if it was cancelled due to weather or transit strikes, and only if you didn't get reimbursed by the carrier. However, see Trip Delay above.
I cancelled my trip and the airline has given me one year to use my tickets, but I can't use them. How do I get reimbursed? Several reports indicate that you must wait for the unused tickets to expire, then file another claim. You can get the change fee covered right away. Other reports say if you demonstrate you won't use the tickets, they'll cover full amount right now. YMMV.
Am I covered if I'm taking a road trip, with no flights or common carrier? Yes. However the online claim form requires flight info; just fill it out with dummy flights and explain your other documents that there was no common carrier.
I am pregnant and no longer want to travel. Am I covered? Maybe. Generally, unexpected complications with non-IVF pre-26th week single pregnancies are covered. Non-IVF multiple pregnancies (twins, triplets) are not covered unless you get pregnant after purchasing your tickets. IVF pregnancies are not covered. The guide says you are not covered for "Travel arrangements that are scheduled to take place after the twenty-sixth (26th) week of pregnancy; or when any multiple pregnancy, with or without complications, occurs prior to the initial deposit date or booking date of the Trip; or any pregnancy associated with an assisted reproductive program, such as in vitro fertilization"
There is civil unrest at my destination, am I covered? Maybe. Generally you are covered if there is a Terrorist Incident or State Dept travel warning during your trip (Trip Interruption) or in the 30 days leading up to your trip (for Trip Cancellation) for within 25 miles of any place along your trip itinerary or your home, as long as the incident or warning didn't happen before you booked your tickets. Not covered is "War, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel". Also not covered is "Trips booked to any area known to be associated with Terrorist Activity" (meaning multiple Terrorist Incidents or travel warnings in 12 months) and "disinclination to travel due to civil unrest [or] an epidemic or pandemic".

Experiences:
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CSP & CSR Trip Cancellation/Delay Insurance Issues/Comments (2016 - 2019)

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Old Sep 23, 2019, 11:13 am
  #1171  
 
Join Date: May 2014
Posts: 1,868
Originally Posted by mia
This is a current Chase benefits page:

https://www.chase.com/card-benefits/...reserve/travel

It links to the August 2018 guide:

https://www.chasebenefits.com/sapphirereserve2

I don't think that any more recent version has been published, and tour operator insolvency is specifically mentioned.

I would call again.
That's all I could find as well, so I suppose I'm glad for that. Does not sound like it matters, since all of the nonrefundable costs are for portions of the trip that occur before the canceled flight. Even if the representative was incorrect, we're still pretty much out of luck. I still have to hope that he was wrong, because the flights were booked over six months ago and I believe the window for chargeback has closed.

Still surprised and disappointed, but at least now I've got my head wrapped around the idea that we're just going to foot the bill ourselves. I'll get replacement flights home booked immediately. Part of me would really prefer to just say to heck with it all and cancel, but that doesn't appear to be an option either.
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Old Sep 23, 2019, 12:09 pm
  #1172  
mia
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Originally Posted by synergistic
.... I believe the window for chargeback has closed.
I suggest that you read this article, and follow the links:

https://www.elliott.org/answers/get-...krupt-airline/
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Old Sep 23, 2019, 3:49 pm
  #1173  
 
Join Date: May 2014
Posts: 1,868
Well, we got ourselves booked home, for a fairly reasonable price. I'm embarrassed to admit that when we called in reference to the chargeback, we discovered that I'd booked the tickets on our Southwest card, back when we were spending for a signup bonus. They said that we'll have to wait until after the flight before they'll allow us to dispute the charge - we'll try again in a few days, perhaps by then we'll have received some form of communication from the airline to offer as proof of cancelation.

All in all, if we do end up with the initial flight refunded, we'll only spend a few hundred dollars extra. And hey, a night in Paris - it could be worse! Thanks again for all your assistance.
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Old Sep 23, 2019, 4:50 pm
  #1174  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by synergistic
All in all, if we do end up with the initial flight refunded, we'll only spend a few hundred dollars extra. And hey, a night in Paris - it could be worse! Thanks again for all your assistance.
Best travel advice / attitude on FT, in my opinion. Enjoy your trip!
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Old Sep 23, 2019, 5:12 pm
  #1175  
 
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,147
Originally Posted by synergistic
Well, we got ourselves booked home, for a fairly reasonable price. I'm embarrassed to admit that when we called in reference to the chargeback, we discovered that I'd booked the tickets on our Southwest card, back when we were spending for a signup bonus. They said that we'll have to wait until after the flight before they'll allow us to dispute the charge - we'll try again in a few days, perhaps by then we'll have received some form of communication from the airline to offer as proof of cancelation.

All in all, if we do end up with the initial flight refunded, we'll only spend a few hundred dollars extra. And hey, a night in Paris - it could be worse! Thanks again for all your assistance.
FYI: The UK is repatriating its citizens free of charge:

https://www.npr.org/2019/09/23/76335...on-in-u-k-hist

"The job of bringing Thomas Cook customers home falls to the United Kingdom's Civil Aviation Authority, which says the number of travelers who must be brought home from abroad is "unprecedented." The agency says it has "secured a fleet of aircraft from around the world" to bring passengers home.

"We have launched, at very short notice, what is effectively one of the U.K.'s largest airlines," says Civil Aviation Authority CEO Richard Moriarty.

Those passengers won't have to pay extra fees for their flights; they'll also be allowed to file claims for a refund to cover out-of-pocket expenses, or to cover airfare if they're forced to book their own return flights. The repatriation program will run for the next two weeks, through Sunday Oct. 6."
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Old Sep 28, 2019, 8:35 pm
  #1176  
 
Join Date: Jul 2001
Posts: 3,975
Originally Posted by rove312
Our return from Rome is delayed by two days because of a strike cancelling the first leg (flight) of our trip home. My scanning here has it look like we should have some trip delay coverage with CSP, correct? I have a screen shot of our flight on the list of cancelled flights: what else should I have in documentation of the reason? It's an Iberia mixed money-points award, the money paid on CSP.
Home now, the eclaimsline site was clunky and kicked me out. I'll give a little time for Vueling (whose flight was cancelled) to reply to my claim on their Web form. When I go back to eclaimsline, I don't see this addressed in the wiki or the posts I've seen: I'm planning to submit lodging and food expenses for two of us, adding up to a little over $500. The form appears to allow entering one name and relationship, such as "Self." Since all the receipts are for two, how do I handle this: can I submit claims in both names and list half of what's on the receipt for each of us?
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Old Sep 29, 2019, 1:58 pm
  #1177  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by rove312
Home now, the eclaimsline site was clunky and kicked me out.
I can't use the site in chrome, but it works well in Firefox. Also try an incognito/private mode or turn off extensions/plugins.

I don't see this addressed in the wiki or the posts I've seen: I'm planning to submit lodging and food expenses for two of us, adding up to a little over $500. The form appears to allow entering one name and relationship, such as "Self." Since all the receipts are for two, how do I handle this: can I submit claims in both names and list half of what's on the receipt for each of us?
I think you can do it in one claim. Say "self" in the dropdown and then include in the name and relationship of the your travelling companion(s) (assuming they fit the definition of "immediate family" per the terms of the benefit) as well as copies of their boarding passes, etc. Then you can submit expenses up to $1,000 total.
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Old Oct 2, 2019, 1:16 pm
  #1178  
 
Join Date: Jul 2001
Posts: 3,975
Thanks, now on the form when I put Vueling as the airline, it refuses it as not on their list. I have an email inquiry on how to resolve it, and I may follow up by phone to get it done faster, but are there any suggestions here? I could try Iberia as the ticketing airline with a codeshare on it, but the document with the reason for the cancellation is from Vueling and I'm worried about running into problems with that.
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Old Oct 2, 2019, 1:37 pm
  #1179  
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Originally Posted by rove312
Thanks, now on the form when I put Vueling as the airline, it refuses it as not on their list. I have an email inquiry on how to resolve it, and I may follow up by phone to get it done faster, but are there any suggestions here? I could try Iberia as the ticketing airline with a codeshare on it, but the document with the reason for the cancellation is from Vueling and I'm worried about running into problems with that.
id just use IB (or another carrier) and then call in to have them update however they need to (not sure if there’s a place to add notes to clarify within the claim)

last time I was going to ORD, I needed to file a hotel claim, but nothing for airline as we were driving. Child got sick the day before, so past the hotel cancelation. deadline. The online form doesn’t allow you to submit anything without air travel included. Agent on the phone told me to put something, anything into thay section to be able to submit a form. I then put that there was no flight but added it to just get through the form, put down $0 for that section, then was able to claim the hotel amount.
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Old Oct 2, 2019, 2:02 pm
  #1180  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by rove312
Thanks, now on the form when I put Vueling as the airline, it refuses it as not on their list.
I submitted a claim for a delayed Vueling flight, but I don't remember what I did -- sorry! I probably listed Iberia.
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Old Oct 4, 2019, 4:19 pm
  #1181  
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Join Date: Sep 2015
Location: flyover country
Posts: 2,435
Originally Posted by threeoh
Awesome, problem resolved! But you have deprived FT of a data point :-p
Well, lucky FT. There was a $30 cancellation fee, for which I have filed a claim. If anyone cares, the issue was a kidney stone causing cancellation of hotel reservations after the cancellation deadline, during a multi-week driving trip to national parks.

Now I'll go into rant mode.

The brain-dead eclaimsonline web site has no idea that someone might travel by other than air. It requires a flight number and origination and destination airports. I called and the nice woman said that is a flaw in their web site and I should enter anything that allows me to continue and then make a note that no common carrier was involved.

But the nonsense doesn't end there. There is a form for the attending physician to complete, so the letter that I obtained when I was hundreds of miles from home might have been for naught. I'll find out in a few business days.

The claim summary does not echo the amount that I am claiming, just the original purchase price. Who knows, maybe to eclaimsonline, the original purchase price means the forfeited amount. But I was required to submit my credit card statement for the month when I paid the original purchase price, so it seems like it should be the amount on the statement.

There were other issues that showed a lack of foresight in designing a one-size-fits-all online form. If the processor has level-headed employees who are allowed to think, it should be no problem. Comments by others in this thread do not make me optimistic.
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Old Oct 4, 2019, 4:44 pm
  #1182  
 
Join Date: Sep 2014
Posts: 2,531
Originally Posted by serpens
But the nonsense doesn't end there. There is a form for the attending physician to complete, so the letter that I obtained when I was hundreds of miles from home might have been for naught. I'll find out in a few business days.
I can't imagine they won't take a P.A. note for this. But I've been surprised before!
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Old Oct 4, 2019, 8:39 pm
  #1183  
 
Join Date: Jul 2001
Posts: 3,975
Updating my claim: the site gave me an error message when I tried to attach all the files I could. I called and they said I could submit without files and wait for instructions on how to document. Without waiting more than a day, I went ahead and sent an email with the claim number as the subject, and attached files with explanations in the email of what they were.
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Old Oct 5, 2019, 8:11 am
  #1184  
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Join Date: Sep 2015
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Posts: 2,435
Originally Posted by threeoh
I can't imagine they won't take a P.A. note for this. But I've been surprised before!
I got sent to a urologist, so I have a "To whom it may concern" letter from an actual MD saying I was told not to travel. If eclaimsonline insists on its form, i will be annoyed.
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Old Oct 5, 2019, 2:39 pm
  #1185  
mia
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Originally Posted by rove312
....submit without files and wait for instructions on how to document.....
Instructions for uploading documents once you have a claim number are in THIS post.
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