Life Happens…then you need AnthemProtect

If you depend on a regular paycheck to pay your bills, what would happen if you become sick or injured and had to miss work and not receive a paycheck? AnthemProtect may help you prepare for the unexpected.

Step 1 of 3

Income Approach

The Income Approach may be used if you rely heavily on your income to maintain your current standard of living. The AnthemProtect benefit is capped at 60% of your pre-disibility income or $1200 / week (whichever is less).

Hang on! Please make sure you enter your Annual Salary.
Monthly Income
Weekly Income
Yearly Income** after taxes
Monthly Income after taxes
Weekly Income after taxes
* Pre-disability Income ** assumes 30% goes to taxes
Maximum Weekly Benefit*
% of take home pay replaced
Approximately 0 %
* maximum weekly benefit is 60% of your pre tax income (max $1200/wk)

Step 2 of 3

Expense Approach

The Expense Approach may be used if you need help in covering just your core expenses. The AnthemProtect benefit is capped at 60% of your pre-disability income or $1200 / week (whichever is less).

Estimated Weekly Cost: 0

Estimated Weekly Cost: 0

Estimated Weekly Cost: 0

Estimated Weekly Cost: 0

Estimated Weekly Cost: 0

Estimated Weekly Cost: 0

Total Expenses Needed:
Total Weekly Benefit Recommended:

Step 3 of 3

Choosing the Elimination Period

Paid Time Off

we recommend using no more than 50% of accumulated vacation days.

Vacaton Days Available
Recommended Elimination Period (Calendar Days)
14 Days
30 Days
60 Days
90 Days

Are you over age 55?

you should consider a longer elimination period.


Benefit Chosen

Elimination Period Recommended:
30 Days
Total Weekly Benefit Recommended:
Total Monthly Benefit:
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Privacy Policy

Effective date: July 03, 2018

Madison National Life ("us", "we", or "our") operates the website (the "Service").

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. This Privacy Policy for Madison National Life is powered by

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from

Information Collection And Use

We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

  • Cookies and Usage Data

Usage Data

We may also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

  • Session Cookies. We use Session Cookies to operate our Service.
  • Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
  • Security Cookies. We use Security Cookies for security purposes.

Use of Data

Madison National Life uses the collected data for various purposes:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Madison National Life will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Legal Requirements

Madison National Life may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of Madison National Life
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

Security Of Data

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, please contact us:

  • By visiting this page on our website:

This simple tool estimates the AnthemProtect short term disabiliy benefits needed to maintain current standard of living or cover basic expenses if disabled and unable to work. This is not a comprehensive assessment, so we encourage you to speak with your human resources administrator or a qualified insurance professional for more information. For complete details including all benefits, limitations and exclusions, refer to Madison National Life Insurance Company, Inc. Certificate form number GSDI-C200-(12/06) which may vary by state.