Small Business Disability Insurance

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Coverage You Can Be Confident In

Small Business Short And Long Term Disability Insurance

Our innovative contract features and provisions, combined with personalized claim management, help employees protect their financial well-being and get back to health, back to work, and back to life.

Absence Management

Our solutions make it easy to outsource leave management, implement an absence management strategy, and ensure compliance and consistent leave determination across each work location. Outsource your Family Medical Leave (FML) and Americans with Disabilities Act (ADA) Administration to Anthem Life to help simplify your benefits management.

Integrated Disability Plans

Every disability claim is a medical or behavioral event requiring a visit with a doctor. So, it’s important that your disability insurance for small business and medical plans communicate with each other. Our Anthem Whole Health Connection^® program connects our disability plans with our medical plans, which can help reduce disability and medical costs and streamline the customer experience.

Valuable Extras

Your small business disability insurance includes resources for your employees and their families to help with emotional, legal, and financial issues. Our coverage doesn’t just begin when it’s time to write a claim check.

We offer resources for employers too – with a designated claim specialist for your entire group, detailed implementation and administration kits, e-certificates that are available right away, plus helpful online tools.

Valuable Extras

Resource Advisor

Our Resource Advisor program helps with emotional, legal, and financial counseling. An employee with depression, for instance, can get counseling before their illness causes them to miss work. Workers with depression lose 5.6 productive hours of work per week*, so treating the underlying causes of that condition can go a long way toward preventing avoidable disability claims.

Counseling And Consultations

Toll-free phone consultations are available 24/7 for when your employees need them most. They can also take advantage of three counseling sessions (either face-to-face or via LiveHealth Online), legal consultation, and financial counseling at no cost.

Online Tools And Resource Finder

Members can use our online tools to manage debt, create state-specific and living wills, tackle investment planning, and more. Our Resource Finder is a powerful database to help members search for child and elder care, locate colleges, and find other practical information relevant to everyday life.

Identity Monitoring And Recovery

Members can register for identity protection at no cost. If their identity is stolen, fraud resolution specialists can help with recovery, getting credit report reviews, and placing fraud alerts on credit reports no matter how many times their identity is compromised.

Anthem Offers You More Choices

Choose from a variety of group disability plan options and funding arrangements.

Portfolio

We offer a robust portfolio of disability plans with special features from small business short term disability insurance and small business long term disability insurance to absence management (FML, ADA Administration, and other leaves). Our integrated disability and medical plans allow you to offer a truly integrated health and productivity management program.

Funding

We offer employer paid, contributory, and voluntary short and long term disability plans for employers to choose the option that best fits their budgets, along with Administrative Services Only (ASO) short term disability plans. Fees for absence and leave administration programs are based on the programs chosen.