Life and Long Term Disability Insurance – County Paid Plans

Insurance Carrier: VOYA

LTD Policy
Employee Life Insurance
Elected Officials Life Insurance

Life Insurance:

Clermont County provides full-time employees with $25,000 in life insurance and $25,000 in AD&D (accidental death and dismemberment) coverage.

Coverage includes:

  • An ‘accelerated payment’ option for employees who are diagnosed as terminally ill – this allows you 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.

What is AD&D Insurance? 

AD&D is Accidental Death & Dismemberment coverage. It provides added protection against losses due to a non-work related accident.  Benefits vary depending upon the type of injury sustained.  Death due to an accident could result in an additional $25,000 payout to your beneficiaries.

Complete plan details can be found in the ‘Certificate of Coverage’ (policy) document.

NOTE: You may be able to continue your coverage after your employment with Clermont County ends, by ‘porting’ or ‘converting‘ your county paid coverage.

LTD COVERAGE:  (Long Term Disability).

Long-Term Disability (LTD) coverage is provided for employees with less than five years of service.  The plan has an ‘elimination’ (waiting) period of six months from the date you last worked due to your incapacitating illness or injury. The plan pays 60% of your gross monthly pay up to a maximum of $5,000 per month for a specific period of time based upon your individual circumstance – see the Certificate of Coverage  (policy) for complete details on the timeline. This benefit is provided at no cost to you.

Employees with five or more years of service have the option of a similar benefit through the Ohio Public Employees Retirement System (OPERS). Contact OPERS for details:  1-800-222-7377