Group Disability Insurance
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.