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

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

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

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Group Disability Insurance

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Our disability insurance plans help replace income when employees can’t work due to a disability, so they can focus on what’s most important – getting better.  But our disability plans go beyond just providing benefits checks – we provide products and services to help employees get back to a productive life and back to work. 
  
Group short-term disability insurance  
Short-term disability (STD) insurance pays benefits for employees when their income is temporarily interrupted by an accident or sickness. But disability insurance should be about more than just income replacement. That's why Anthem includes Productivity Solutions as a standard feature in all of our large group STD plans for our customers with Anthem health benefit plans in CO, IN, KY, MO, OH, NV and WI.  
Productivity Solutions integrates all 360° Health® care management and health improvement programs with Anthem’s STD plans. This new approach offers real advantages over traditional disability programs by changing the focus of the disability program from simply replacing income to getting employees back to their regular life and back to work, while at the same time reducing incidence of repeat disability claims and reducing health plan claim costs. 
For customers in all states, for all size groups, with Anthem health benefit plans, we integrate STD plans with 360 Health® ConditionCare and Future Moms programs. If an employee files an STD claim for a diagnosis covered by ConditionCare or Future Moms, we will automatically refer them to the appropriate program. The benefit – healthier employees that may be able to return to work more quickly. 
We offer a wide variety of plan design options and include extras to help employees deal with their disability, like Resource Advisor support services and Newborn and Parenting Resources for new moms to help ease their transition back to work after maternity leave. If employees have to limit their duties or work reduced hours because of a disability, partial disability benefits can help bridge the income gap while they return to full capacity.  
  
Group long term disability insurance  
A serious disability takes away more than an individual’s earnings – it can take away their sense of control over their own life. Anthem believes disability protection should provide the support and assistance necessary to help the individual return to a healthy and productive life.  
We believe the key to recovery is the understanding that having a disability does not mean that a person is disabled. We can create a vocational rehabilitation plan specific to each individual, and then provide extensive support services to help them achieve maximum recovery, one manageable step at a time.    
Our standard plans include coverage for normal pregnancy the same as any disability, cost of living freezes to limit benefit reductions when payments from other sources increase, special coverage for recurrent disabilities, waiver of premium during disability payments and survivor benefits. Other options are available.  
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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