1. Life & Disability Insurance
Products and Services

2. Our Advantage Strength & Stability
Broad Product Offerings with Added Value
Benefit Features That Make The Difference
Flexible Reporting
Superior Customer Service
Our strength, innovation and dedication makes us the right solution to your needs.
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3. Our Strength and Stability
A.M. Best: A (Excellent) agency rating
Parent company ranked 38th on the Fortune 500 list
Parent company named Most Admired Health Insurance Company by Fortune Magazine
Parent company ranked 2nd on 2006 Business Week’s Top 50 Performing Companies
More than 96,000 group customers and 5.8 million members*
Large Case/National Accounts Expertise
More than 50 years of experience*
Information above is based on collective data along with our other affiliated life and disability companies
*Anthem Life internal data 2006
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4. Easy Enrollment & Administration
One Anthem Life & Disability Application
All traditional Life products
Dedicated Account Manager as a single point of contact for life and medical
Some joint administration with medical program
Enrollment assistance for voluntary plans
1% discount off medical product when purchased with Life
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5. Broad Product Offerings - Life
Employee and Dependent Voluntary AD&D*
Dependent Term Life
Life Product Portfolio
Employee AD&D
Voluntary Life
1) Employee AD&D is available with Basic and Supplemental Life
Employee Basic and Optional Term Life
*(Portability) not currently available in all states
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6. Broad Product Offerings
Disability Product Portfolio
Voluntary STD and LTD (Insured)
25% participation required
Short-Term Disability (STD) (Insured & ASO)
Long-Term Disability (LTD)
(Insured & ASO)
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7. Innovative Supplemental Programs
Resource Advisor
Included with group Life and Disability plans at no additional cost
Provides employees and family members with resources that may help them achieve a healthier balance including:
24 hour toll-free telephone counseling
Legal/Financial Counseling for employee or their beneficiary
Counseling sessions for an employee’s beneficiary
Face to face counseling sessions for beneficiaries and for employees who become disabled
Access to Online Resources: resources and providers for child care and elder care, legal and financial resource center, excellent articles and links to a myriad of helpful resources
Online will preparation and identity theft information
Resource Link is included with Small and Large Group Life plans
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8. Life Insurance
Products and Services
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9. Flexible Plan Designs Earnings schedules Level amounts
Benefits based on the associate’s wages
Level amounts
Gives all associates the same benefit amount
Employment classification schedules
Benefits based on the associate’s job classification
Length-of-service schedules
Relates the amount of insurance to an associate’s years of service with the company
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10. Competitive Benefit Features
Accelerated Death Benefit feature at no charge
Accidental Death and Dismemberment (AD&D) benefits
Seat belt benefit
Education assistance benefit
Access AdvantageTM Account
Interest-bearing checking account allows beneficiaries to access funds as they need them
Waiver of Premium in the event of a disability
Control Plus Account also provides a competitive interest rate on the checking for money remaining at 6 months and again at 12 months providing the member with bonus dollars derived from the interest.
(Speaker notes…current interest rate for CONTROL PLUS ACCT is 1.30%)
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11. Competitive Benefit Features
Travel Assistance through Worldwide Assistance Services
Included with Large Group Life/AD&D plans at no additional cost
Provides employees and dependents with resources and information when traveling 100 miles or more away from home
Emergency medical assistance
Travel services
Pre-departure information
24 hour multilingual call center
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12. Multiple Funding Options
Pooled
Refund eligible, with or without premium stabilization reserve
Minimum premium
Retrospective premium
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13. Superior Claim Service
Dedicated Service Center
99.9% payment accuracy in 2006
98% of claims decisions paid within 30 days in 2006
Average claim turn around time- 3.3days
Call abandonment rate below 2%
94% of all calls answered in less than 30 seconds
Average speed of answer – 9 seconds
Busy rate – 0%
Anthem Life internal data 2006
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14. Disability Insurance Programs
Products and Services
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15. The Anthem Life Disability Philosophy
Create optimal disability outcomes for both the employee and the employer while providing a positive member experience.
Customized care
We evaluate a member’s functional ability based on clinical and vocational information—not just statistics and norms.
The team intervenes early and stays with the case, continuously working with the employee, provider and employer to develop an action plan designed to achieve the best possible outcome.
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16. Features That Make A Difference
Behavioral RN
Review
Health
Review
Flexible
Reporting
Vocational
Rehabilitation
Disability
Resources
Dedicated
Disability
Case Manager
Social Security Advocacy
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17. Features That Make A Difference
Short-Term Disability (STD)
ASO case management models - Levels 1, 2, 3
Flexible Advice to Pay services
Behavioral Health Disability Program
Resource Advisor Program
Return to Work Assistance (Vocational Rehabilitation)
Social Security Advocacy
Optional paperless claims intake process
W-2 reporting and employer FICA matching services available
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18. Features That Make A Difference
STD Case Management Models
Level 1
Least intensive management
Level 2
More proactive management
Level 3
Most proactive management
ASO Only
ASO Only
Fully Insured & ASO
ASO = Administrative Service Only
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19. Features That Make A Difference
Short Term Disability Case Management Models
Level One (ASO only)
Disability approval based on attending physician statement
Payment continues until notification from client of return to work
Desirable option when governed by management request, labor restriction or company culture
Level Two (ASO only)
Disability payments begin based on initial attending physician statement
Estimated time off work compared to optimal duration guidelines for given diagnosis or procedure
Disability leave beyond normal duration requires periodic medical updates for continued benefits
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20. Features That Make A Difference
Short Term Disability Case Management Models
Level Three (Fully Insured or ASO)
Objective medical documentation required to support disability
Claimant’s job description evaluated to determine functional impairment
Clinical information and functional requirements assessed in conjunction with duration guidelines
Full vocational rehabilitation services included
100% review of all behavioral health claims by staff psychologist
Registered Nurses assist in case management
Independent Medical Examinations available for use when appropriate
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21. Features That Make A Difference
Flexible Advice to Pay Services
Full range of case management options available
Reporting frequency based on client need to meet payroll requirements
Disability claim reporting can be tailored for customer absence tracking
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22. Features That Make A Difference
Behavioral Health Program
In-house Behavioral Health professionals
All claims reviewed
For appropriate diagnosis, treatment and disability determination
For early identification of depression in chronic and acute medical conditions
Ongoing behavioral health training for disability case managers
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23. Features That Make A Difference
Return To Work Assistance
Certified Vocational Rehabilitation Consultants on staff
Vocational rehabilitation assistance
Return-to-work assistance (STD and LTD)
In-house transferable skills analyses
Internet access for rehabilitation opportunities
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24. Disability Products and Services
Social Security Advocacy
In-house Social Security Consultants with years of experience working for Social Security Administration
Immediate involvement in claims with catastrophic/terminal conditions
Award activity*
67% within 12 months
86% over 24 months
Saved an average of 15% in attorneys’ fees during each of the past 5 years*
Highly successful overpayment recovery program
*Anthem Life Internal Data 2006
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25. Flexible Reporting Frequency based on client need Financial data
Daily or weekly authorization reports available for Advice to Pay customers or upon client request
Quarterly and annual reporting on closed cases
Financial data
Gross and net benefit, withholdings, tax reporting, W-2 issuance
Report elements
Data for International Classification of Diseases (ICD), Major Diagnostic Categories (MDC), age/gender, tenure and alternate duty programs
Trends
Client data sorting
Comparative reporting
Claims costs
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26. Superior Customer Service
Dedicated Service Center
Over 98.1% financial accuracy in 2006
93% of calls answered in <30 seconds in 2006
Average speed to answer - 8 seconds
Call abandonment rate %
Busy Rate - 0%
Anthem Life internal data 2006
9/18/2018

27. Legal Disclaimer
Life and Disability products are underwritten by Anthem Life Insurance Company. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, 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 most of Missouri: 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. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. (serving Virginia excluding 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") underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare") underwrites or administers the HMO policies; and Compcare and BCBSWi collectively underwrite or administer the POS policies. Independent licensees of the Blue Cross Blue Shield Association. ® ANTHEM is a registered trademark. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association.
9/18/2018