1. Disability Products & Services

2. 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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3. 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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4. Life & Disability’s 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*
Each affiliated life company is a separate, independent legal entity for financial purposes and is solely responsible for its own contractual obligations and liabilities.
*Anthem Life internal data 2006
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5. 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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6. 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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7. 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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8. 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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9. 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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10. 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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11. 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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12. 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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13. Life & Disability Insurance Products
Innovative Supplemental Programs
Resource Advisor
Included with group 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 employees
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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14. 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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15. 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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16. 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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17. 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
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18. 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.
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