More About Life Insurance
Different employee groups have different life insurance benefits and options.
Regular and Full-Time Local 587 Employees
You automatically receive county-paid basic life insurance. If you die for any reason, your beneficiaries receive a lump sum equal to your base annual salary rounded to the next highest $1,000.
If you receive county-paid basic life insurance, you may purchase supplemental life for yourself in these amounts: 1, 2, 3 or 4 times your base annual salary. If you die for any reason, your beneficiaries receive the amount you elect in addition to your county-paid basic life benefit.
If you elect enhanced life for yourself, you may purchase it for family members: spouse/domestic partner at 50% of your enhanced amount and children at $10,000 each. If a family member dies for any reason, you're the beneficiary.If you decline enhanced life when you're first eligible or drop/reduce it later (you can drop or reduce it any time), you may add/increase it for yourself and add family members for coverage only when certain qualifying events occur.
When you end employment with the county for reasons other than disability and apply to the plan (Aetna) within 31 days of when your county coverage ends, you may continue to pay the insurance company directly for the basic and enhanced life coverage you had on your last day of employment until:
- You reach age 99
- Your spouse/domestic partner reaches age 65
- Your child reaches age 19 (23 if solely dependent on you for support).
The age-specific rates you pay for continued coverage may be different from the rates paid by active employees. Contact the plan for details – click "Contact" under "Links to Help" at the top of the page. Click below for the:
Part-Time Local 587 Employees
If you're a part-time Local 587 employee in the Full Benefits Plan, you receive $25,000 county-paid basic life insurance for yourself. If you're a part-time Local 587 employee in the Partial Benefits Plan, you receive $25,000 county-paid basic life insurance for yourself, provided you have elected medical coverage (you pay part of the cost of your medical coverage).
If you receive county-paid basic life insurance, you may purchase additional/enhanced life for yourself in these amounts: $25,000, $50,000, $75,000 or $100,000. If you die for any reason, your beneficiaries receive the amount you elect in addition to your county-paid basic life benefit.
If you elect enhanced life for yourself, you may purchase it for family members: spouse/domestic partner at 50% of your enhanced amount and children at $10,000 each. If a family member dies for any reason, you're the beneficiary.If you decline enhanced life when you're first eligible or drop/reduce it later (you can drop or reduce it any time), you may add/increase it for yourself and add family members for coverage only when certain qualifying events occur.
When you end employment with the county for reasons other than disability and apply to the plan (Aetna) within 31 days of when your county coverage ends, you may continue to pay the insurance company directly for the basic and enhanced life coverage you had on your last day of employment until:
- You reach age 99
- Your spouse/domestic partner reaches age 65
- Your child reaches age 19 (23 if solely dependent on you for support).
The age-specific rates you pay for continued coverage may be different from the rates paid by active employees. Contact the plan for details – click "Contact" under "Links to Help" at the top of the page. Click below for the:
Deputy Sheriffs
You and the eligible family members you enroll automatically receive basic life insurance. If you die, your beneficiaries receive $6,000. If your spouse, domestic partner or child (14 days or older) dies, you receive $1,000.
You may also purchase additional life insurance for yourself in the amount of your base annual salary less $6,000. If you elect this enhanced coverage, you pay $.334 per $1,000 a month. For example, if your base annual salary is $50,000 and you elect enhanced coverage, your coverage is $50,000 - $6,000 = $44,000; you pay $.334 x 44 = $14.70 a month.)
No evidence of insurability (EOI) is required if you elect enhanced life when you're first eligible, but EOI is required if you elect it later during open enrollment. You may add enhanced life between open enrollments (without EOI) when you marry/establish a new domestic partnership or cover your first child under your other health plans.
When you end employment with the county for reasons other than disability and apply to the plan (Aetna) within 31 days of when your county coverage ends, you may continue to pay the insurance company directly for the basic and enhanced coverage you had on your last day of employment until:
- You reach age 99
- Your spouse/domestic partner reaches age 65
- Your child reaches age 19 (23 if solely dependent on you for support).
Current for 2008.
