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Group Term Life Coverage
When faced with a loss, employees want to know that they can count on prompt, convenient benefit payments. But our life insurance plans provide more than just a benefit check.

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Group Disability Coverage
No one plans on experiencing a disabling illness or injury. But illnesses and accidents do happen, and our disability insurance plans provide more than just income replacement in case of disability. Our plans also provide the kind of support employees need to help them get back to health, back to work and back to life.

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Billing and Payments

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List Billing and Payment Process 
This section describes the billing and payment process for the person who maintains the group’s records and makes premium payments. Always pay the amount billed. Any adjustments will be reflected on subsequent billing statements.   
Anthem Life & Disability Insurance Company (Anthem Life) will send a billing statement for the group premium approximately 10-15 days before each premium due date.
The billing statement will list all employees who were enrolled for coverage in the group plan at the time the bill was prepared. The last page lists any adjustments reflected in that bill.
After receiving the billing statement, make sure all members listed on the billing statement are active employees, working at least the required number of hours per week and still eligible to remain covered by the group plan.
Mark any adjustments on the billing statement. Be sure to check the Adjustment Box and indicate the effective date and reason for each change marked.
Do not add or subtract premium for adjustments marked for employees listed on the billing statement. Anthem Life will adjust (credit or debit) the account for those adjustments on the next billing statement prepared after the change is processed or effective, whichever is later. The last page of each billing statement lists the adjustments reflected in that bill.
Do not add premium for employees the billing statement did not include. Anthem Life will bill for any back charges on the next billing statement prepared after the change is processed or effective, whichever is later. The last page of each billing statement lists the adjustments reflected in that bill.
Send an accompanying application for insurance coverage for each employee to be added to the group’s coverage and for any coverage changes that require an application, if the application has not already been sent to us.
Pay the PAYMENT AMOUNT DUE stated on the bill. Do not adjust the amount. A return envelope will be provided with each billing statement. Send the payment, the payment coupon and any new applications to Anthem Life by the premium due date.
The employer should keep a copy of each bill for their records, including any adjustments marked.
 
Self-Administered Billing and Payment Processing 
Self-Administration allows the employer to maintain all of the administrative records related to employee enrollments, changes and terminations. Under a self-administered insurance plan, the employer must track these activities to assist in calculating the premium owed to Anthem Life & Disability Insurance Company.   
A premium worksheet should accompany each premium payment. The premium worksheet must provide:   

number of employees covered under each benefit,

total coverage volume for each benefit, and

the premium amount being submitted for each benefit.

 
Employers are not required to submit details regarding enrollments, changes, terminations and premium calculations with their payment. However, this information should be maintained by the employer. Anthem Life has the right to perform audits of premium payment and/or claim eligibility information.   
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