Active employees covered by Anthem Blue Cross Life & Health Company $50,000 Life Insurance benefit may be eligible to continue their Life Insurance coverage after losing Trust Fund eligibility due to a total disability. However, this Extended Life Insurance coverage does not include Dependents Life Insurance or Active Employees Accidental Death & Dismemberment Benefits.
In order to be eligible to continue or "extend" the life insurance coverage, your disability must start before you have reached age 60, and must be classified as a total disability which means that you are expected never again to be able to do your job, and expected to never again be able to do any work for wage or profit. Your coverage for the Extended Life Insurance Benefit will begin only after your disability has been on-going for 9 consecutive months (the required waiting period). To establish eligibility for the extended coverage you will need to submit an application to Anthem Blue Cross Life & Health Company. The application may be submitted within the 9 month disability waiting period, but no later than 12 months after the onset of the disability. You will also have to provide annual disability notices to Anthem Blue Cross Life & Health Company as proof of your continued disability. Anthem Blue Cross Life & Health Company may also request that you be examined by one of their doctors, but never more than once in a 12 month period.
Contact Anthem Blue Cross at www.anthem.com/ca or 1-800-543-3037 for further details. To obtain the application for the Life Insurance Premium Waiver, click here.