Article 13: Life and Accidental Death and Dismemberment Insurance Benefits >>

13.4 Notice and Proof of Claim

Written notice of a medical or health insurance claim must be given to Anthem Life at least 45 days before the end of the calendar year which follows the calendar year in which the claim is incurred. However, in the event that medical or health insurance ends, notice of claim in writing must be given no later than 12 months after such claim was incurred. Written notice of any other type of accident and sickness claim must be given to Anthem Life at its home office or an authorized claim office or to an agent. Notice should include the name of the insured individual and the policy number.

Loss, as used in this provision, means covered expenses incurred, disability or accidental death or dismemberment.

Positive proof of claim must be given to an authorized claim office of Anthem Life, pursuant to the procedures set forth in the Anthem Blue Cross Life Insurance “A Guide to your Benefits”, which can be found on the Administrative Office’s website at www.scibew-neca.org.