Basic Life Insurance is provided automatically and paid for by the County. Your bargaining or representation unit determines which plan you are enrolled in. Click the plan name to download a copy of the Certificate of Coverage.
|
|
|
|
Coverage: One-times your annual salary up to $50,000
|
Coverage: $50,000
|
- SEIU Represented Employees*
- LIUNA Represented Employees*
Excluding employees who are paid on a per-diem basis
|
- Elected Officials
- Management Employees (Including Public Defenders)
- Confidential Employees
- Unrepresented Employees
- DDAA Represented Employees
- LEMU Represented Employees
|
| |
Supplemental Life Insurance
Supplemental Life Insurance You may purchase life insurance coverage for yourself, your spouse and/or your eligible dependents. Your bargaining unit determines the program from which you may choose the available benefits. Refer to the table below to determine which plan(s) you are eligible for.
|
|
|
• Elected Officials
• SEIU
• LIUNA
• Management
• Confidential
• Unrepresented
• LEMU
|
• DDAA
• Elected Officials
• LEMU
• Management
• Confidential
• Unrepresented
• RSA Public Safety
|
By clicking on the following items, you will quickly "jump" to that topic:
How To Enroll for Supplemental Life Insurance
- Complete an enrollment form for Lincoln Financial or Standard Life. If you are eligible for both plans, you may enroll for both or choose the plan that best meets your needs.
- Complete any required Evidence of Insurability (EOI) forms. Review the EOI description carefully to determine if an EOI form is required. Forms submitted without required EOI will be returned to you and will delay the processing or may result in denial of your application.
- Return your completed forms to your Department Representative. To take advantage of the guaranteed acceptance provisions on the Lincoln Financial plan during inital eligibility or annual enrollment, your completed enrollment forms must be returned to your Department Representative within 60 days from your date of hire or the close of annual enrollment.
Guaranteed Acceptance
Guaranteed Acceptance means that the life insurance carrier will accept your application without proof that you (or your spouse) are in good health. Because the insurance carrier’s approval isn’t required, the County can implement your requested coverage without the insurance carrier’s review.
If you have requested coverage beyond the guaranteed acceptance coverage limit, but guaranteed acceptance is available for a portion of your requested amount, the County will implement the lower, guaranteed limit. This will ensure that any increase in coverage available to you is implemented immediately. Your requested coverage beyond the guaranteed acceptance limit will be implemented after approval from the insurance carrier is received. If you do not enroll during a guaranteed acceptance period, the insurance carrier may deny your application for coverage and/or changes in coverage at a later date.
Evidence of Insurability (EOI)
When enrolling either outside of the guaranteed acceptance period or beyond a guaranteed acceptance coverage limit, you must submit evidence of your insurability. You must also complete evidence of insurability information for your spouse if you are electing coverage for your spouse. Evidence of insurability for your child is not required.
Each insurance carrier has an Evidence of Insurability (EOI) form. This EOI form is where you (and, possibly, your spouse) will provide medical information to the insurance carrier. The insurance carrier uses this information to determine whether or not your request for insurance coverage will be approved. When completing your EOI form, you are required to answer every question. Upon review of your application for coverage and EOI, the insurance carrier may request further medical information, such as a physician statement or blood work. You may be responsible for costs required to furnish this information. Once all information is provided, the insurance carrier will issue either approval or denial for the coverage.
When Coverage Begins
Your elected supplemental life insurance coverage will begin as follows:
- If the coverage you elected for yourself and/or your spouse is within the insurance carriers guaranteed acceptance provisions, your coverage will begin the first of the month following Human Resources’ receipt of your completed enrollment form.
- If the coverage you elected for you and/or your spouse requires EOI, any amount of coverage that is available to you within the insurance carrier’s guaranteed acceptance provisions will be implemented the first of the month following receipt of your completed enrollment form. Additional coverage amounts requested for you and/or your spouse will begin the first of the month following approval from the insurance carrier.
Supplemental life insurance premiums are deducted on a current month basis. For example, deductions made from your January pay warrants will pay for January premiums.
|
|
|
Naming a Beneficiary
A beneficiary is the person or person(s) you name to receive death benefits. You may name one or more beneficiaries. Two or more surviving beneficiaries will share equally, unless you specify otherwise.
If you have County-paid basic life insurance coverage and you purchase supplemental life coverage, you may choose the same or a different beneficiary for each insurance plan.
Changing your Beneficiary
You may name or change beneficiaries at any time by completing the appropriate change of beneficiary form for Lincoln Financial or Standard Life. Forms are available on Workforce Exchange. You may also pick up forms at the Benefit Fairs, from your Department Representative, or by contacting the Benefits Information Line at (951) 955-4981.
During annual enrollment, you can review your life insurance beneficiaries and make changes online by going to Workforce Exchange and the County’s Intranet site. To review your beneficiary information log onto eBenefits using the online instructions provided with your enrollment guide. Click on “Self-Service,” then “eBenefits,” then “Insurances,” then “Insurances Summary.” Select your life insurance plan by clicking on the “Edit” button to change your current beneficiary designations.
Lincoln Financial
You may elect any of the life insurance options listed below, subject to a maximum of seven times your annual earnings. You may elect coverage for your Spouse subject to a maximum of three and one-half times your annual earnings. Additional coverage limitations by age are described in the charts below.
Coverage Options
| Employees |
Spouse |
Dependents |
| $10,000 |
$10,000 |
$5,000 |
| $50,000 |
$30,000 |
$10,000 |
| $100,000 |
$50,000 |
|
| $150,000 |
|
|
| $200,000 |
|
|
| $250,000 |
|
|
Lincoln Financial t Supplemental Life Costs
|
|
Age Of
Employee
|
Monthly Rate Per
$1,000 of Coverage
|
|
< 29
|
$0.07
|
|
30-34
|
$0.07
|
|
35-39
|
$0.10
|
|
40-44
|
$0.16
|
|
45-49
|
$0.26
|
|
50-54
|
$0.44
|
|
55-59
|
$0.70
|
|
60-64
|
$0.87
|
|
65-80
|
$1.64
|
|
Monthly Rates For Child Coverage
|
|
Coverage
Amount
|
Monthly Rate
|
|
$5,000
|
$1.00
|
|
$10,000
|
$2.00
|
Lincoln Financial's Coverage Option Limits and Guaranteed Acceptance Period and Limits
The charts below outline the maximum coverage you may elect and the coverage that does NOT require an EOI form.
Guaranteed Acceptance within 60 Days of Eligibility
(Within 60 days of date of hire or within 60 days from date entering an eligible bargaining unit)
|
|
Employee’s Age*
|
Employee
Coverage Limit
|
Spouse
Coverage Limit
|
|
| Under 60 |
Elect up to $250,000;
no EOI required
|
Elect up to $50,000;
no EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 60-69 |
Elect up to $100,000;
no EOI required
|
Elect up to $30,000;
no EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 70 and Over |
Elect up to $50,000;
no EOI required
|
No spouse coverage available after employee reaches age 70 |
Elect up to $10,000;
no EOI required
|
* Employee’s Age determines spouse coverage limits and premiums.
Enrolling During Annual Enrollment
(You do not currently have coverage and you are beyond the initial eligibility period)
|
|
Employee’s Age*
|
Employee
Coverage Limit
|
Spouse
Coverage Limit
|
Dependent
Coverage Limit
|
| Under 60 |
Elect up to $250,000;
no EOI required up to $100,000
|
Elect up to $50,000;
EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 60-69 |
Elect up to $100,000;
no EOI required up to $10,000
|
Elect up to $30,000;
EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 70 and Over |
Elect up to $50,000;
must provide EOI
|
No spouse coverage available after employee reaches age 70 |
Elect up to $10,000;
no EOI required
|
* Employee’s Age determines spouse coverage limits and premiums.
|
Increasing Coverage During Annual Enrollment
(You currently have coverage and you are requesting additional coverage)
|
|
Employee’s Age*
|
Employee
Coverage Limit
|
Spouse
Coverage Limit
|
Dependent
Coverage Limit
|
| Under 60 |
Elect up to $250,000; you may increase your coverage one level without EOI
|
Elect up to $50,000; EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 60-69 |
Elect up to $100,000; you may increase your coverage one level without EOI
|
Elect up to $30,000; EOI required
|
Elect up to $10,000;
no EOI required
|
| Age 70 and Over |
Elect up to $50,000; you may increase your coverage one level without EOI
|
No spouse coverage available after employee reaches age 70 |
Elect up to $10,000;
no EOI required
|
* Employee’s Age determines spouse coverage limits and premiums.
Standard Life
You may elect any of the following life insurance options, subject to coverage limitations described below.
Coverage Options
| Employees |
Spouse |
Dependents |
Increments of
$10,000 up to
$500,000 |
Increments of
$5,000 up to
$100,000 |
$5,000 or
$10,000 |
|
|
|
Age Of Employee
|
Monthly Rate Per
$1,000 of Coverage
|
|
< 29
|
$0.04
|
|
30-34
|
$0.05
|
|
35-39
|
$0.06
|
|
40-44
|
$0.09
|
|
45-49
|
$0.14
|
|
50-54
|
$0.23
|
|
55-59
|
$0.43
|
|
60-64
|
$0.54
|
|
65-80
|
$1.27
|
|
Monthly Rates For Child Coverage
|
|
Coverage Amount
|
Monthly Rate
|
|
$5,000
|
$0.35
|
|
$10,000
|
$0.70
|
|
|
|
|
|
|