1 Anthem Life & Disability Insurance Company Life and disability protection For groups with 2-50 employees: Group Term Life Insurance For groups with employees: Optional Group Term Life Insurance Short and Long Term Disability Insurance Empire BlueCross BlueShield offers access to life & disability products from Anthem Life & Disability Insurance Company (Anthem Life). ENYBR4431Y 4/09
2 life and disability benefits Protection and plans for everyone give your employees the life and disability protection they want When it comes to life and disability benefits, Anthem Life & Disability Insurance Company (Anthem Life) has something for everyone. Your employees get the protection they re looking for thanks to a wide range of flexible plans and you get the convenience that comes from doing business with one contact. Why life insurance? Small group employers agree that life insurance coverage is the most important non-health benefit to offer employees. 1 Let s face it employees want to know that their loved ones are protected if something should happen to them. When the designated beneficiary like a spouse or child receives a payout from life insurance, he or she can use the money to help cover funeral costs and help supplement the employee s lost income for ongoing expenses like a mortgage, car payment and college tuition. In fact, many experts in the life insurance industry recommend life insurance benefits with payouts that will cover the family s anticipated expenses for five years plus funeral costs. According to the Federal Trade Commission, these days many funerals run well over $10, For groups of 10-50, adding Optional Group Term Life Insurance lets employees purchase additional coverage beyond what you provide. And you don t pay anything for it. So why not let your employees have the option of buying even more protection?
3 Why disability insurance? Disability can mean less productivity for your organization and income loss for your employees. Anthem Life can help bridge the financial gap by offering partial income replacement. We also offer a variety of services to help employees after a disability. Making disability benefits available is a terrific and affordable way to attract and retain your employees, while providing valuable protection for their earnings and health. For groups with employees, our Short Term Disability Insurance offers benefits for short term absences, including pregnancy. To protect against longer disabilities, you can add Long Term Disability Insurance coverage. Count on Anthem Life Anthem Life is part of the largest health benefits company in the nation. Together with our sister companies, we cover more than 84,000 groups and approximately 4.7 million members 3, and we are the largest group life insurance carrier in the under 100 lives market. 4 That means Anthem Life has the expertise, experience and size to provide secure life and disability insurance options beyond the traditional coverage you re used to. In addition, with Anthem Life you ll receive other great services such as our innovative Resource Advisor program to provide employees and families with additional support during difficult times in their lives. Anthem Life & Disability Insurance Company has earned an A.M. Best Rating of A (Excellent). Each affiliated company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities. 1 Life Insurance Marketing Research Association (LIMRA) 2 Federal Trade Commission; Funerals: A Consumer Guide; posted on FTC website (www.ftc.gov) June Each affiliated company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities. 4 Life Insurance Marketing Research Association (LIMRA) 3
4 life and disability benefits Choose the right coverage and benefit amounts for you Getting started how to choose the rig Group Term Life Insurance For Group Term Life Insurance, you can select a specific dollar amount from $10,000 to $500,000 or a benefit that is one to three times an employee s salary. When choosing what to offer your employees, remember that it is recommended to offer a life insurance payout to help cover the family s anticipated expenses for five years plus funeral costs. Optional Group Term Life Insurance If you ve got employees, you can sponsor an optional life insurance program for them where they get to choose an additional benefit from $10,000 to $300,000. Optional Life can be offered in addition to the Group Term Life benefit you are providing, so that employees can choose to add more life insurance coverage at their own expense. It can also be offered to employees instead of Group Term Life at no cost to you. If you re offering both Group Term Life Insurance and Optional Group Term Life Insurance, a combined coverage maximum will be set for your group. You can also add Optional Accidental Death and Dismemberment (AD&D) coverage at the same time. Disability Insurance For groups of benefit levels are designed to help financially support employees who are unable to work due to a disability, while also offering them an incentive to return to work. You can choose to offer a weekly short-term disability plan to supplement New York state disability benefits. You can also choose from several benefit schedules that determine when benefits begin and end. Remember to avoid duplicating benefits by selecting a Long Term Disability period that picks up where your Short Term Disability coverage ends. Standard Short Term Disability benefit choices are: 50 percent of weekly earnings. The maximum payout is $1,500 per week.* 60 percent of weekly earnings. The maximum payout is $1,500 per week.* 67 percent of weekly earnings. The maximum payout is $1,500 per week.* A specific benefit amount of up to $250 per week. The maximum payout is $1,500 per week.* *integrated with New York Disability Benefits Law (NDBL) plan Keep the protection going with Long Term Disability Insurance. Standard options are: 50 percent of monthly earnings. 60 percent of monthly earnings. 4 Generally the maximum benefit can range from $3,000 to $6,000 per month. For groups of employees, a maximum benefit of up of $10,000 per month may be available based on qualification of the top five employees salaries. Groups may be eligible for a higher maximum benefit if qualified based on the salary distribution of the employees, demographics, and plan design.
5 ht coverage and benefit amount Voluntary Disability Coverage Anthem Life s Voluntary Disability coverage is entirely employee-paid. That means you can save on benefit costs and still provide valuable protection for your employees. Plus, employees won t pay federal income taxes on benefits received if premiums are paid with after-tax dollars. Anthem Life s Voluntary Short Term Disability Insurance offers benefits for short term absences, including pregnancy-related disability. To protect against longer term disabilities, you can also offer Voluntary Long Term Disability coverage. Get coverage, not hassles Your employees don t have to provide any health information to get coverage up to a certain amount. In all cases, health questions and underwriting approval are required for employees who want additional coverage and for those who sign up after the enrollment period. For Voluntary Short and Long Term Disability coverage above the Guaranteed Issue amount, your employees will have to answer health questions. Flexible benefit schedules Anthem Life s Voluntary Disability plans are designed to help financially support employees with a disability, while also providing an incentive for them to return to work. You can choose from several benefit schedules that determine when benefits begin and end. Remember to avoid duplicating benefits by selecting a Voluntary Long Term Disability period that picks up where your Voluntary Short Term Disability coverage ends. Excellent rates for all of your employees Employees premiums are based on your group s rate table, which is broken down into five-year age bands. So, for example, employees who are ages pay a certain rate and employees ages may pay a slightly higher rate. Help improve the productivity of your employees by taking advantage of Anthem Life s return-to-work services as part of our Disability coverage. Please note that life insurance and disability insurance coverage does have limitations and exclusions. Ask to see a certificate for a complete list of applicable limitations and exclusions. 5
6 life and disability benefits Choose the right coverage and benefit amounts for you Excellent Rates For groups of 2-9 that take group term life, employee premiums are based on your group s rate table, which is broken down into five-year age bands. So, for example, employees ages pay a certain rate and employees ages may pay a slightly higher rate. The same applies to groups of enrolling in Optional Group Term Life Insurance. And rates only change when they move into a new age band. Even then, rates won t change until the group s annual renewal, not mid-year. Health questions are required for Voluntary Short and Long Term Disability coverage above the Guaranteed Issue amount. For groups of enrolling in group term life or disability, each employee s premium is based on the group rate, regardless of any individual s age. With Optional Group Term Life, you can add Optional AD&D coverage at the same time. You ll learn more about AD&D in the coming pages, but it s helpful to know that the Optional AD&D premium for each employee is based on the group s rate, regardless of age. For Voluntary Short Term and Voluntary Long Term Disability coverage, employees premiums are based on your group s rate table, which is broken down into five-year age bands. So, for example, employees who are ages pay a certain rate and employees ages may pay a slightly higher rate. A Commitment to Excellent Service We are committed to providing superior claim service to your employees, dependents, and beneficiaries when they call our toll-free claims phone number. You and your employees will appreciate Anthem Life s knowledgeable and friendly customer service team. You will be assigned a Dedicated Service Representative who will be your single point of contact, handling all of your enrollment, billing, and customer service needs. Our philosophy is that benefits should be easy to understand, and your Dedicated Service Representative will make sure this is a priority. In addition, if an employee experiences a disability, they will be assigned a dedicated claim professional to be their single point of contact with us through the claim process. The claim professional wants to help your employees get appropriate care, receive their disability payments quickly and accurately, and help them get back to work as soon as possible. This is something both you and your employees will really appreciate. Helping employees return to work...and to their life We know that you rely on every employee to make sure your business runs smoothly. That s why we don t just pay disability claims we can help your employees return to work. Our vocational rehabilitation consultant will work with you and your employee to design a plan to help them to not just get back to work, but get back to their life. Convenient life insurance payment 6 The Access Advantage program conveniently distributes life benefit payments of $10,000 or more in an interest-bearing checking account. This option lets beneficiaries use the funds for immediate needs, while relieving them of important investment decisions during a stressful time.
7 More than 75 percent of people whose spouses died prematurely (between the ages of 30 and 55) feel they did not have adequate life insurance coverage. So surviving family members are working additional jobs, borrowing money, withdrawing from investments, and moving to smaller housing. (National Association of Insurance and Financial Advisors, 2008) 7
8 life and disability benefits Many features Flexible Features Many standard and optional features are available to make this important coverage right for your employees and your organization. Sound appealing? For Group Term Life, Optional Group Term Life and Accidental Death & Dismemberment: It s no surprise that many home foreclosures are a direct result of disabilities. (Source: The Housing and Home Finance Agency of the U.S.) ADDITIONAL BENEFITS FOR ACCIDENTS. The Accidental Death & Dismemberment feature makes an additional payment equal to the life benefit if an employee dies as a result of an accident within a year of the accident. Coverage can also include an additional payment for unique situations, like an accident involving a seat belt or air bag. COVERAGE FOR DEPENDENTS. Dependent life coverage pays a benefit to the employee if his or her spouse or child dies. And dependents don t have to worry about answering health questions. Living Benefit: BENEFITS FOR TERMINALLY ILL EMPLOYEES. An employee who has a terminal illness and less than 12 months to live can request a partial early payout of the life insurance benefit to help pay for medical treatments or for other reasons. The life insurance amount is then reduced by the payout amount. WAIVER OF PREMIUM FOR EMPLOYEES WITH DISABILITIES. Employees on disability leave are facing enough financial hardship, so this standard feature waives life insurance premiums while an employee is totally disabled and out of work (and following their waiting period). RESOURCE ADVISOR OFFERS SUPPORT SERVICES. Employees and family members can receive confidential access to valuable work/life support services, like help finding a child care provider, online wills, and even face-to-face counseling. CONTINUATION OF COVERAGE. If an employee s coverage ends due to a layoff, leave of absence, or disability, this standard feature allows coverage to be continued for a period of time by paying the premium. 8 COVERAGE EMPLOYEES CAN TAKE WITH THEM. The portability feature allows employees to keep their Optional Life coverage after they leave your company. And our conversion feature lets them and their dependents convert to an individual whole life policy.
9 Resource Advisor For Short Term Disability: MATERNITY BENEFITS: Short term disability benefits are paid for a pregnancy-related disability the same as a disability caused by an illness. COVERAGE FOR PARTIAL DISABILITIES: Employees have the option to return to work part-time while receiving a portion of the disability benefit amount under the Recurrent Disability provision. For Long Term Disability: COVERAGE FOR RECURRING DISABILITIES: If your employees return to work from disability, are at work for less than six months, and become disabled again due to the same cause, monthly disability payments may resume without a new waiting period. Included with disability and life insurance coverage from Anthem Life, Resource Advisor gives employees and family members confidential access to valuable work/life support services, including: Face-to-face visits with a counselor for beneficiaries and employees with a disability. Legal/financial consultations. 24/7 telephone counseling and referral services. Website resources including wills and power of attorney forms. WAIVER OF PREMIUM: Long Term Disability Insurance premiums are waived while an employee is on disability and receiving benefits. COVERAGE FOR PARTIAL DISABILITIES: During the first 12 months of a partial disability, employees can work and replace up to 100 percent of their pre-disability earnings through a combination of the LTD benefit and their earnings. WORKPLACE MODIFICATION: We may reimburse for costs to help an employee with a disability return to work. RETURN TO WORK OPTION: If employees try unsuccessfully to return to work, they do not have to fulfill a new waiting period, as long as they qualify. VOCATIONAL REHABILITATION: Vocational testing and training, job modification, and job placement services are available to help a disabled employee return to active employment. SOCIAL SECURITY ASSISTANCE: We can help employees receiving disability benefits apply for Social Security. COST OF LIVING FREEZE: Once they begin, monthly benefits will not be reduced due to cost-of-living increases in other benefit sources such as Social Security. Work Retention Benefit: We can help an employee with a condition that may eventually result in a disability remain at work by developing a vocational rehabilitation program for the employee that may include training, education, accommodation or assistive technology. SURVIVOR BENEFITS: If an employee is receiving benefits for at least 180 days at the time of death, his or her beneficiary is eligible for a lump-sum benefit equal to three monthly payments. 9
10 Your ONE CONTACT for employee benefits As you can see, there s a lot to gain from our contract flexibility and consultative approach. In addition to our competitive life insurance and short and long term disability programs, we can help you craft a benefit package that includes the right balance of employer and employeefunded products. Plus, you get the dependability, and convenience of having one contact for Anthem Life along with Empire BlueCross BlueShield s health, prescription, dental, vision and employee assistance programs.
11 SpecialOffers Saving money is good. Saving money on things that are good for you - that s even better. With SpecialOffers, your employees will receive discounts on certain products and services that help promote better health and well-being. And, there s no extra cost to you. SpecialOffers includes savings on items for your family and home, fitness and health services, health and beauty products, wellness and personal care products, and vision, hearing and dental products and services. For information on discounts go to empire.com > members > 360 Health > SpecialOffers
12 About Anthem Life Regardless of your company size or budget, our life and disability products are designed to positively impact both your employees and your bottom line. You can feel confident placing your trust in Anthem Life. Together with our sister companies, Anthem Life & Disability Insurance Company covers more than 84,000 groups and approximately 4.7 million members. For more information about our products and services, contact your Empire BlueCross BlueShield representative, broker or visit our website at empireblue.com. Each affiliated company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities. Anthem Life & Disability Insurance Company Life insurance benefits provided under Certificate Form Number LBO A NY 0105 C REV 0209 Disability insurance benefits provided under Certificate Form Number DLS A NY 0205 C This brochure is just a brief outline of what we have to offer and does not include all of the terms of coverage. For all of the details, see your contract documents (like your certificate, policy, and/or trust agreement). Should there be a conflict between the contract documents and this brochure, the contract documents will, of course, prevail. Life and Disability products are underwritten by Anthem Life & Disability Insurance Company, an affiliate of Empire BlueCross BlueShield. Independent licensee of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. The expected benefit ratio for the Disability policies is 60%. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. Health, dental, vision and EAP products and services are provided by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.
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