Life & Disability Insurance
Our newly enhanced portfolio
brings you more flexible
solutions for your clients.
For effective dates beginning 1/1/08
Life and Disability products are underwritten by Anthem Life Insurance Company. Independent licensee
of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered mark. The Blue Cross and
Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.
What products are included?
Basic group term life
Optional dependent life
Short term disability (STD)
Voluntary group short term disability
Long term disability (LTD)
Voluntary long term disability
Voluntary accidental death and dismemberment
Our enhanced portfolio now includes…
• National products which means products in
one state are available in another. This helps
keep rates as low as possible.
• Industry-leading contract features and extra
member assistance benefits.
• Modular product designs segmented by
customer markets (2-50, 51-99, 100+).
• Flexibility with employer-paid benefits,
employee contribution, and employee-paid
What’s the difference?
Here are a few enhancements to consider:
• Higher maximum and guaranteed issue amounts for
Basic Life, Optional Life, and STD
• AD&D qualification period extended to 365 days from
• More standard features for AD&D, like paralysis, loss of
speech and/or hearing, loss of digits, repatriation, seat
belt benefit, air bag benefit, and child education
• Increased benefit percentage (up to 75%) for
accelerated death benefit (a.k.a. living benefits), plus a
higher maximum benefit amount
What’s the difference?
And just a few more:
• Simple 2-tier age reduction schedule for Basic and
Optional Life (with other options available).
• Optional AD&D and Optional Dependent coverage
available with Optional Life.
• STD plans better integrate with LTD plans so one
picks up where the other ends.
• LTD 66 2/3% benefit option has been rounded up to
a 67% benefit.
• Vocational rehabilitation rider is included with LTD
and other optional riders are available for groups
Learn more today.
Contact your Anthem sales representative to get the latest
marketing materials and learn more about our
enhanced portfolio of life and disability products.
Life and disability are underwritten by Anthem Life Insurance Company. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service,
Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine,
Inc. In most of Missouri: RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer nonHMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not
underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance
Company. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding the city of Fairfax, the town of Vienna and the area east of State Route 123.). In Wisconsin: Blue
Cross Blue Shield of Wisconsin ("BCBSWi") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or
administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ®
ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.