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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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When to Enroll for Coverage

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If an employee is a member in an eligible class, the employee may apply for coverage on the later of:  
the date the plan is effective; or
the date the waiting period is completed.
 
If an employee has been continuously employed by the employer but was not in an eligible class, we will apply the entire period of work with the employer toward the waiting period.  
 
Contributory coverage
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 and/or dependents will be considered a late applicant and evidence of insurability must be submitted.  
The Medical Underwriting Department at Anthem Life & Disability Insurance Company 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.  
 
Non-contributory coverage
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 and/or dependents will be considered a late applicant and a retroactive premium charge will be assessed. Evidence of insurability will not be required.  
 
Group participation requirements
There are requirements for the number of eligible employees participating in each coverage. The employer should refer to the Group Participation Requirements section for additional information.  
 
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Health products are underwritten by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State. All external sites will open in a new browser window. Please view our Website Privacy Policy and Terms of Use for more information.