Anthem Spotlight
At Anthem Life, our mission is to provide the people we serve with financial protection and security.

Learn More
Group Coverage @ Anthem Life
Provide competitive employee benefits that fit your budget, with our group life and disability coverage.

Learn More
Voluntary Coverage @ Anthem Life
Let employees choose their own coverage with voluntary life and disability insurance from Anthem Life.

Learn More

Continuation of Coverage

PW_M010476
Continuation of coverage for employees who are not at work
 
Coverage during a layoff or leave of absence
In the event of a layoff or an approved leave of absence, an employee’s group life insurance typically can be continued for up to 3 consecutive months provided the employer pays the required premium when due. Continuation of coverage time periods, insurance benefits and requirements may vary and you should always check the group’s certificate and/or policy for specific information.  
 
If the employee has not returned to active work at the end of the continuation period, the employee’s insurance coverage will be terminated. The employer should stop paying premiums. The employee will have the right to convert their group life insurance to an individual policy, as described in the group’s certificate.  
 
Group life insurance coverages that can be continued during a layoff or leave of absence include group term life insurance, accidental death and dismemberment (AD&D), supplemental group term life insurance, supplemental accidental death and dismemberment and group term life insurance for dependents. Generally, a conversion privilege is available only for the term life insurance coverages listed, not for accidental death and dismemberment coverages.  
 
Coverage during a disability
If a covered employee is no longer actively at work due to a sickness or injury, the employee’s coverage under the group plan typically can be continued for up to 6 consecutive months provided the employer pays the required premium when due. Continuation of coverage time periods, insurance benefits and requirements may vary and you should always check the group’s certificate and/or policy for specific information.  
 
If the employee has not returned to active work at the end of the continuation period, the employee’s insurance coverage will be terminated. The employer should stop paying premiums. The employee will have the right to convert their group life insurance to an individual policy, as described in the group’s certificate.  
 
If the employee is totally disabled and the group plan includes waiver of premium benefits for group term life insurance or supplemental group term life insurance, that life insurance may be continued as described in the group’s certificate. Generally, waiver of premium benefits is available only if the total disability began before age 60. 
©2005-2014 copyright of Anthem Insurance Companies, Inc.

Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use