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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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Contributory and Non-Contributory Coverage

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Your Guide to Contributory and Non-Contributory Coverage

  Contributory Coverage
Enrolling and Submitting Applications 
When coverage is contributory (employees contribute toward the premium), each employee should apply for or refuse coverage within 31 days of the date when they and any of their dependents become eligible. If the employee applies for coverage (signified by completing an application with signature and date) later than that 31-day period, the employee will be considered a late applicant and Evidence of Insurability must be submitted.  
The Medical Underwriting Department at Anthem Life & Disability Insurance Company (Anthem Life) will evaluate the application and medical information provided to determine whether the employee and/or dependents will be approved for coverage. Evidence of insurability is also required if the employee applies for an amount of coverage for which we require proof of insurability, or voluntarily terminates their coverage then wants to reapply. 
Meeting Participation Requirements 
If employees contribute a portion of the premium for a type of coverage (for example, group term life insurance or short term disability insurance), then at least 75% of all employees eligible for that coverage must be enrolled for it at all times.  
If employees pay the entire cost and the employer does not make any contribution toward the premium for a type of coverage (for example, optional life insurance), the minimum percentage or number of eligible employees that must be enrolled varies. Contact Anthem Life for exact requirements. 
 
 

  Non-Contributory Coverage
Enrolling and Submitting Applications 
When the employer pays 100% of the premium (employees do not contribute), the employee should apply for coverage within 31 days of the date when they and any of their dependents become eligible. If the employee applies for coverage later than that 31-day period, the employee will be considered a late applicant and a retroactive premium charge will be assessed. Evidence of insurability will not be required.  
Meeting Participation Requirements 
When the employer pays the entire cost and employees do not contribute to the premium for a type of coverage (for example, group term life insurance or short term disability insurance), then all employees eligible for that coverage must be enrolled for it at all times.  
If the employer contributes 100% of the premium for dependent coverage, then all eligible employees with eligible dependents must be enrolled for dependent coverage 
 
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