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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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Coverage Effective Dates for Employees

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For employees not covered on the group’s effective date, coverage will generally become effective on the first billing due date following the date the employee satisfies all eligibility requirements and any required evidence of insurability is approved, for:   
new employees hired after the group’s effective date;
other employees who first become eligible after the group’s effective date; and
coverage changes.
 
Exceptions
 If the employee is not actively at work on the day before the date coverage would become effective, the employee’s effective date will be the day the employee returns to work.  
If the employee’s application for contributory coverage (where the employee contributes toward the premium) is not submitted within 31 days of the date when they become eligible, the effective date of coverage will be delayed. Coverage will become effective on the first billing due date following our receipt of the employee’s application, provided the employee’s evidence of insurability is approved.  
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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.