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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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Employee Changes

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Processing employee changes

Every request for change (including adding or deleting dependents) should include the employee’s social security number. If a new application is necessary, the Employer/Group section of the application form should always be completed. This section is intended to assist the employer in identifying requirements and the billing impact associated with frequently requested employee changes. 
 
This section includes:  

When an Employee Changes Coverage

When an Employee Drops Coverage

When an Employee Leaves the Group

When an Employee Dies

When an Employee Reaches the End of the Continuation of Coverage Period

When an Employee’s Insurance Amount Changes Due to Change in Salary or Class

When an Employee Wants to Change a Beneficiary

When an Employee Marries

When an Employee adds Dependent Coverage

When an Employee Loses Spouse/Dependent(s) Because of Death

When an Employee Loses Spouse/Dependent(s) Because of Divorce

 
When an employee changes coverage 
Submit a new application showing any changes requested. In most cases, changes will become effective on the first billing due date after we receive the request, subject to any required underwriting approval. 
When an employee drops coverage 
When an employee cancels one or more coverages, note the requested changes and change effective date on the billing statement beside the employee's name. Submit a copy of the billing statement including the changes to our company for processing. If there are adjustments to premium resulting from the change, these will appear on a future billing statement. 
When an employee leaves the group 
When an employee leaves the company, note "termination of employment" and the termination effective date on the billing statement beside the employee's name. Submit a copy of the billing statement including the changes to our company for processing. If there are adjustments to premium resulting from the change, these will appear on a future billing statement. 
When an employee dies 
When an employee or insured dies, note "deceased" and the date of death on the billing statement beside the employee's name. Submit a copy of the billing statement including the changes to our company for processing. If there are adjustments to premium resulting from the change, these will appear on a future billing statement. Contact the appropriate claims department for assistance with filing a claim. 
When an employee reaches the end of the continuation of coverage period 
When an employee reaches the end of the continuation of coverage period, note the employee as "terminated" and the effective date coverage ended on the billing statement beside the employee's name. Submit a copy of the billing statement including the changes to our company for processing. If there are adjustments to premium resulting from the change, these will appear on a future billing statement. 
When an employee’s insurance amount changes due to a change in salary or class 
When an employee's insurance amount changes due to a change in salary or class, submit a new, signed Employee Life Application and show the requested change by checking the appropriate boxes in the Applicant Information and Status Change sections of the form. If there are adjustments to premium resulting from the change, these will appear on a future billing statement. Be advised that increases to coverage amounts may be subject to review and approval by our underwriting team. 
When an employee wants to change a beneficiary 
If an employee wishes to change their beneficiary designation, they should complete an Anthem Life & Disability Insurance Company Beneficiary Designation Form. Check to make certain that the form is signed and dated. The employer should keep that form or a copy of the form in the employee’s personnel file. 
 
When an employee marries 
If the insurance program includes group term life insurance for dependents, an employee who is planning to marry should apply to add the spouse and/or any new dependent children to their coverage. The employee should complete and sign the application form within 31 days of the marriage date. If the application for dependent life coverage is received more than 31 days after the marriage date, the spouse and/or any dependents must submit evidence of insurability unless the dependent life coverage is non-contributory (employer pays the entire premium). 
 
When an employee adds dependent coverage 
If an employee wishes to add dependent coverage, the employee must submit an application form requesting that change, listing all eligible dependents. 
Application for dependent coverage should be made within 31 days after the employee acquires eligible dependents by marriage or a child’s birth or adoption. Otherwise, coverage will be subject to evidence of insurability. 
For Agency Adoptions, the adoption date is the date of adoptive placement as specified in the placement agreement. 
For Independent Adoptions, the adoption date is the later of the date the child is placed in the physical custody of the employee or the date the petition is filed for adoption with the probate court. 
When an employee loses spouse/dependent(s) because of death 
A death claim should be filed immediately. If the employee does not have any other eligible dependents at the time of the dependent’s death, the employee should cancel dependent coverage by submitting an application form requesting that change. The change will be reflected on the next billing date after we receive the request for cancellation. 
When an employee loses spouse/dependent(s) because of divorce 
If an employee has covered dependents, please notify Anthem Life immediately in the event of a divorce. Upon divorce, the former spouse is no longer eligible for coverage. If the employee does not have any other eligible dependents to be covered, the employee should cancel dependent coverage by submitting an application form requesting that change. The change will be reflected on the next billing date after we receive the request for cancellation. 
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