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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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Group Participation Requirements

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When employees contribute toward the premium (contributory coverage)
 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, supplemental life insurance), the minimum percentage or number of eligible employees that must be enrolled varies. Contact Anthem Life & Disability Insurance Company for exact requirements.  
When the employer contributes 100% of the premium (non-contributory coverage)
If the employer pays the entire cost and employees do not contribute toward 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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