New York 2018 Life and Disability Plans (2-100 employees)

New York

2018 Life and Disability Plans (2-100 employees)

For extra support, our life and disability plans offer Resources Advisor, which includes behavioral, financial and legal counseling, as well as helpful online services and tools for the whole family.

Life and AD&D Groups with 2-9 Groups with 10-100

Dependent Life included at employer's option

Basic Life benefit amount of $10,000 available for groups that also purchase Optional Supplemental Life. 1 Only available to groups of 10-100

Benefit amounts

$15,000/$25,000/$30,000/$50,000

Minimum: $15,000 Maximum: $350,000

$5,000 spouse/$2,500 child $10,000 spouse/$5,000 child $20,000 spouse/$10,000 child1

Optional and Voluntary Life Groups with 10-100

Dependent Life included at employer's option

AD&D included at employer's discretion.

Benefit amounts

Minimum: $25,000 Maximum: $300,000

Spouse coverage $10,000 to $50,000 in increments of $5,000 Child coverage: $5,000, $10,000 or $15,000 for each child

Salary based 1x salary ($25,000 minimum, $100,000 maximum) 1x, 2x or 3x salary ($25,000 minimum, $350,000 maximum)

N/A

Salary based 1x, 2x or 3x salary ($25,000 minimum, $300,000 maximum)

N/A

Short-term Disability (STD) Groups with 10-100

1 67% plans must be non-contributory. 40% or 70% available at UW discretion for groups of 10-100. 2 $100 or $150/week available at UW discretion.

Voluntary Short-term Disability (VSTD) Groups with 10-100

Benefit Salary based plans of 50%, 55%, 60% or 67%.1 Flat benefit plan of $200 or $250/week.2

Benefit Salary based plans of 50%, 55% or 60%. Flat benefit plan of $200 or $250/week.

Long-term Disability (LTD) Groups with 10-100

1 67% plans must be non-contributory. 40% available at UW discretion.

Benefit Salary based plans of 50%, 60% or 67%.1

Voluntary Long-term Disability (VLTD) Groups with 10-100

Benefit Salary based plans of 50% or 60%

All product offerings are subject to regulatory review and approval and are subject to change.

Life and Disability products are underwritten by Anthem Life & Disability Insurance Company, an affiliate of Empire HealthChoice Assurance, Inc. 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 Blue Shield Association.

Life insurance benefits provided under Certificate Form Number LBO A NY 0105 C REV 0209. Disability insurance benefits provided under Certificate Form Number DLS A NY 1113 C. The expected benefit ratio for the Disability policies is 60% for groups of less than 50 lives, and 65% for groups of 50 or more lives. This ratio is the portion of future premiums which the company expects to return as benefits, when averaged over all people with this policy. This policy provides disability income insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

101706NYEENEBC VPOD 06/17

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