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Clermont County, Ohio

VOLUNTARY LIFE INSURANCE

VOLUNTARY LIFE and AD&D INSURANCE – Symetra

In addition to the County provided life insurance, employees may purchase additional life and AD&D coverage for themselves, their spouse and/or dependent children. 

New hires and newly eligible (such as part-time to full-time):  Full-time employees are guaranteed coverage up to $150,000 (or 5x your salary, whichever is lower), and up to $50,000 for their spouse and/or $20,000 for their eligible* children.  Note: coverage for spouse and/or children cannot be more than the employee's own coverage.

*Eligibility rules apply for dependent children: Ages 19-25 must be full time students; not available over age 25 unless disabled dependent per IRS definition prior to age 18.

Employees have the option of applying for coverage above the $150,000 - up to $250,000 (but not more than 5x annual salary) for employee; and up to $100,000 (but not more than employees coverage) for their spouse.  To apply for the additional coverage:  Submit a completed Evidence of Insurability Form (EOI) to the insurance company. The additional coverage will be added when/if the insurance company approves the EOI application.

IMPORTANT:  TO ELECT VOLUNTARY LIFE ENTER THE AMOUNT OF COVERAGE (NOT THE PAYROLL DEDUCTIONS). THE SYSTEM WILL CALCULATE YOUR PREMIUM BASED ON YOUR AGE.  The attached chart is just for reference:  RATE CHART 

Coverage includes:
  • An ‘accelerated payment’ option for employees who are diagnosed as terminally ill – this allows the employee to claim up to 50% of the coverage amount while still living.

 

  • Waiver of premium – in the event you become permanently disabled, you can apply to have your life insurance premiums automatically paid for you.

 

  • An educational benefit for surviving dependent children who are enrolled in college.

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What is AD&D Insurance?  AD&D stands for Accidental Death & Dismemberment. AD&D coverage provides added protection against losses due a non-work related accident.  Benefits vary depending upon the type of injury sustained. 

NOTE: You may be able to Continue Your Coverage after your employment with Clermont County ends, by 'porting' your voluntary life coverage and/or 'converting' your county paid coverage.   

 

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