Anthem is one of the world’s largest health benefit companies, with a primary focus on health insurance benefits. While revenues for Anthem top 17 billion annually, short and long term disability benefits is a small portion of their revenues. Anthem is an independent licensee of Blue Cross and Blue Shield Association, but they sell most of their disability, life and AD&D insurance products under the name Anthem Life or Anthem Insurance Companies throughout the United States. Anthem has a very small stake in the disability insurance market, but with the talks of buying CIGNA corporation they could quickly become one of the largest in the US. Anthem has business relationships with numerous other entities and we have seen Anthem disability claims handled by a third party company called Custom Disability Solutions or their former parent company Wellpoint. We have also seen Anthem act as the third party disability administrator for large companies such as Eli Lilly and Company. After the Merger of Wellpoint and Anthem in 2004, some of the disability products were converted to the Anthem name.

Most Anthem Long Term Disability Policies Have Restrictive Language

Anthem’s disability products are only sold as Group plans, which means that most people covered by an Anthem disability policy are subject to ERISA regulations. From our experience, most of the Anthem disability policies contain a 24 month “own occupation” definition of disability and then they change to an “any occupation” definition of disability. We also commonly see Anthem disability policies which have a 24 month mental nervous limitation and a self reported symptoms limitation. One of the most restrictive items in an Anthem long term disability policy is that they will commonly require “objective medical evidence” of disability. There are frequent disputes as to what “objective evidence” constitutes and this frequently results in benefit denials. Some Anthem policies define “Objective Medical Evidence” as:

“medical signs” (including psychiatric signs) and “laboratory findings,” as documented by a Licensed Physician regarding disability status… Medical signs are anatomical, physiological, or psychological abnormalities that can be observed, apart from subjective statements of symptoms… Psychiatric signs are medically demonstrable phenomena that indicate specific abnormalities of behavior, affect, thought, memory, orientation, and contact with reality. They must also be shown by observable facts that can be medically described and evaluated. Laboratory findings are anatomical, physiological, or psychological phenomena that can be shown by the use of medically acceptable laboratory diagnostic techniques.

If you have a disability claim with Anthem, any of our disability insurance lawyers are available nationwide to assist you at any stage of your claim. We welcome you to contact us for a free lawyer consultation. We regularly track disability insurance claim denials and lawsuits throughout the country against Anthem. We also welcome your comments, complaints and feedback about your experience with Anthem so that other claimants can learn from your experience.

Cases & Claim Tips (8)

Comments (13)

  • Solomon, you should reach out to Anthem and request a status of your disability payments. Also request an explanation of your benefits.

    Cesar Gavidia Aug 24, 2020  #13

  • I haven’t received any payment for the last two weeks. My dates are wrong on my paper sent from Anthem.

    Solomon D. Aug 24, 2020  #12

  • Cindy, I am sorry to hear of your denial of benefits and unfortunate, sometimes that seems to be the MO of the insurance companies. If you would like any assistance with your appeal, please do not hesitate to contact us. We offer a free consultation.

    Alex Palamara Aug 14, 2019  #11

  • Wow, I feel for all of these folks. I am currently appealing my denial of continuation of LTD benefits. I was approved for SSD first time out. And yet Anthem believes I can work. I have multiple health issues: fibromyalgia, RA, OA, Scleroderma, and they all affect every joint I would need to perform any job. I worked for Anthem close to 24 years and also paid into this benefit. It seems rather than review “all” the facts, they try to find just one minut reason to deny and hope no one will fight them. I wish the best for all of these folks and hope that things turn out for the best with them… and myself.

    Cindy C. Aug 14, 2019  #10

  • I was an Anthem employee placed on first short and then long term disability.. I didn’t have much trouble with initial processing. At their command I applied for SSD which took a couple of years to be determined. Upon SSD concluding I was disabled, My benefit (50% of my salary) was re-figured and my SSD benefit was subtracted leaving a monthly benefit of $400. I’ve repeatedly been told that there is nothing legally wrong with this. I can’t understand how my contributions into SSA along with my many employers, somehow reduce my insurance policy’s value or benefits. Basically I paid Anthem, the federal government both for this money. The government is paying me and Anthem is repaying themselves for offering me a policy rather than following through on payment. If anyone can rip off the government and get a pass Anthem usually falls into that mob.

    zannaSu Jun 17, 2019  #9

  • Michael, please contact us directly to discuss your options with one of our disability insurance attorneys. Anthem may have exceeded the time period allowed under ERISA to make a decision on your claim.

    Cesar Gavidia Jun 16, 2019  #8

  • I took out a short and long term disability policy with Anthem when I started a job on October 1, 2018. On January 28, 2019 I was ordered off work by both my doctor and the place where I was working due to developing a lightheaded, off-balance sensation following what I thought was a 3 day cold. I work in an industrial plant with lots of moving machinery.

    Initially it was thought this was due to high blood pressure and cardiac problems. It took almost 3 months to go through all the tests only to find out my heart, circulation and blood pressure were not the cause. I was then sent to a neurologist who determined I had an acute onset of severe peripheral neuropathy. The neurologist believes I didn’t have a cold but instead, one of a number of viruses that cause Mercer inflammation. I’ve now seen 4 doctors who believe the neurologist is correct.

    Anthem did pay one month of benefits for February but not until mid April. Since then there has been no payments from them and every time I call I’m told my claim is still under medical review. As a result I cannot pay the bulk of my debts and am facing collections.

    My doctors have turned over my records to Anthem and those records show I’ve never had sever neuropathy, have never been advised of having that condition and that I’ve never had the vertigo like sensations I’ve experienced since January.

    I’ve followed all procedures I was asked to follow and complied with every request made by Anthem. Now I’m broke and can’t afford the only neuropathy therapy that could get me back to work. Per Anthem’s policy this is not a preexisting condition. They owe me over $9,000 in benefits for March through today’s date. With those funds I can get the therapy I need and eventually get back to work.

    I need advice.

    Michael S. Jun 16, 2019  #7

  • Pam: I’m not sure what you’re asking here. It looks as though you’re asking about a buy out but much of what is written is jumbled. I suggest you contact our office and speak with one of the attorneys to address questions you have regarding your specific situation.

    Jay Symonds Dec 17, 2018  #6

  • Does Anthem ever agree to buy out lump sums while I’m receiving monthly payments instead, plus I paid in both yet I worked for them, they sweet talked me in to going with them, and never told me anything that happened until it happened. I still trying to figure out how they came to the amount they came to and why the judge backed up my applications two years further back when then they told me I had to pay back every penny, despite my paying Ltd most of my life.

    Paid in two life times of credits for social security for two life times according to the judge and etc… now they are saying it. Is mandatory I fill out all the information since this is the first time received a Ss raise in years & my plan said at the time that they and I agreed to a certain amount and they could not come after my Ss raises. Ddid the law change? I rember getting the ketter stating the supe e court won and made Ss to use my points and my payment to pay them back. Plus my dr of 16 years has retired. I need a doctor and mine can’t even get an mri and I gave primary I pay or er 600 monthly just to add me and secondary full office for a and b just in case, yet they say they won’t pay anything the primary refuses. Now the primary has begun refusing everything including an mri so. Can go see a specialist. So I pay for two full major medical insurances, Ss use to pick up what primary wouldn’t, nit any longer. I was going back to school after all these years, accepted avd fed g out the osier for my PhD in nursing to finish my degrees after and while working many hours when this got so bad I couldn’t stand it. What can Do, I used all my savings, 401k.

    Pam Dec 17, 2018  #5

  • Anita, please contact our office to discuss your claim so we can determine what rights you may have under your disability insurance policies.

    Stephen Jessup Dec 4, 2018  #4

  • I have been approved by the SSDI for diability benefits and have filed several claims with Anthem Blue Cross for long term disability since this happened at my work. I have been denied several times now and just recently denied again after finally getting approval from a judge for SSDI. Can you please tell me what I can do?

    Anita J. Dec 3, 2018  #3

  • Beverly, I am sorry to hear that your Anthem claim was denied. It sounds like you have a valid claim which should have been approved. I am not sure if you have an another opportunity to appeal the determination as I would need to see the denial letter. If not, your only option is to sue them in federal court. If you would like assistance I would be happy to review your denial letter an policy for you free of charge. Please contact my office and ask for Rachel Alters.

    Rachel Alters Sep 12, 2018  #2

  • I was an Anthem employee who discovered I had an Abdominal Aortic Aneurysm after having abdominal pain & going to ER in August 2015. I was on short-term disability, then LTD from Feb 2016-Feb 2018. Received letter March 1, 2018, I no longer qualified & lost all benefits. I was also was seeing a therapist for depression d/t diagnosis. I also have sleep apnea, palpitations, degenerative joint disease, chronic low back pain, DeQuarvain’s in dominant hand, trigger finger, psoriasis, bilateral knee pain & the abdominal pain had continued. Filed for S.S. disability had hearing 3/16/18. Filed appeal with Anthem that was supposed to be addressed within 45 days, took them over ,60 days, received letter stating they were waiting for documentation from 3:providers I had never seen or heard of & who did not even practice in my state! Of course, my appeal was denied, even though my abdominal pain, depression and joint pains continued. I was paying for LTD & medical benefits monthly yet they want subrogation if benefits from SS are awarded. That is what I was paying premiums for. I was an employee and was treated like this, I can only imagine how others are treated.

    Beverly Sep 11, 2018  #1

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Questions About Hiring Us

Do you handle ERISA Anthem appeals?

If your disability income claim has been denied by Anthem and your disability income policy has been offered through your employer, then federal ERISA law requires you to file an appeal with Anthem. Our law firm has handled thousands of ERISA appeals against Anthem and we will prepare a very strong appeal on your behalf.

Do you help with Anthem applications?

The application for disability benefits with Anthem is the foundation of your claim. One mistake can result in your claim for disability insurance benefits being denied by Anthem. Our lawyers will guide you through the entire application process and make sure you are in the best possible position to have your claim approved by Anthem. We welcome you to contact our attorneys to discuss important information about applying for disability benefits with Anthem.

Do you file Anthem lawsuits?

If Anthem has denied all of your ERISA disability appeals, then you have the right to file a lawsuit in federal court against Anthem. An ERISA disability lawsuit is different than any other type of lawsuit and you should hire a attorney that has handled thousands of disability denial lawsuits against Anthem. Our disability insurance lawyers know what to expect with the challenges filing a federal lawsuit against Anthem.

Can you help with a Anthem disability Insurance denial?

We have helped thousands of individuals collect long term disability benefits from Anthem and we know the unreasonable denial tactics used by Anthem to deny disability insurance benefits. Our experienced attorneys know the many options available to get your disability benefits paid by Anthem.

Do you manage Anthem monthly claims?

Monthly disability insurance claim management is a unique service we offer. Our goal is to make sure your Anthem disability benefits continue for as long as you need them. Many claimants either don't trust or experience aggravation dealing with Anthem. Disability Insurance Attorneys Dell & Schaefer manages every aspect of your claim for disability income benefits from (Anthem. Anthem only interacts with our law firm. Contact Disability Insurance Attorneys Dell & Schaefer to learn how we can manage your disability claim.

Can you negotiate a Anthem lump sum buyout?

Lump sum buyouts and disability buyouts are occasionally offered by Anthem. Our disability lawyers have established relationships with the people at Anthem that make the decisions on disability buyouts. We have negotiated hundreds of lump settlements with Anthem. Our goal is to get you the highest buyout possible.

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Rhonda L. (Hawaii)

Gregory Dell has saved my family from bankruptcy. I got sick with Vasculitis and had to undergo 4 years of chemo treatments. I worked during this time as pharmaceutical sales rep. Finally my doctors said that if I did not go on to disability I would die. I went on disability and my company rejected my short term disability. I was in the hospital at the time of the rejection and was not given much time to respond. I live in Hawaii and could not find anyone that would go against my company. They were very big and scared all the attorneys off.

Greg took my case immediately. He got me paid and short and long term disability. After a few years Cigna did a ridiculous review of my claim and said that I should be able to go back to work. At the time I was denied I was currently in a wheelchair and on massive doses of morphine. Vasculitis destroyed all my nerves in the legs and arms. They dropped my long term disability. Greg again went back and fought for my disability and won. My family would be completely bankrupt without Gregory Dell. My doctors said with the stress from all this fighting for my rights has cost me years of my life. But I would not have made it without Greg, Michal and team. Money is not everything but when you are sick fighting to pay your bills and insurance companies really takes a toll. I have recommended Greg and his staff to other disabled persons. I think they are the best. Thanks for everything. You have allowed me to focus on what is important staying alive for my family.

***** 5 stars based on 202 reviews

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