If you experience a qualifying income disruption, you can activate your RMO Financial Protection benefits by filing a claim through MyRMO.

Steps to File a Claim:

  1. Log in to MyRMO and navigate to "Protection" then "Financial Protection."
  2. Select "File a Claim."
  3. Choose the qualifying event type: involuntary job loss, qualifying medical event, or natural disaster displacement.
  4. Provide supporting documentation:
  • Job Loss: Termination letter or separation notice, unemployment benefits determination (if applicable).
  • Medical Event: Doctor's statement confirming inability to work.
  • Natural Disaster: FEMA declaration or proof of displacement.
  1. Enter your current monthly expenses in the categories covered by your plan.
  2. Submit the claim and receive a confirmation number.

What Happens Next:

  • Claims are reviewed within 5–10 business days.
  • Once approved, your first benefit payment is deposited into your RMO account within 3 business days.
  • Subsequent payments are deposited monthly for the duration of your plan coverage period.
  • You can check your claim status and payment schedule in MyRMO at any time.

For assistance with the claims process, schedule an appointment through MyRMO or by calling us to speak with an Expert.