Life and LTD Insurance Plans

Insurance Carrier: VOYA

County Paid Basic Life Insurance:

Clermont County provides most* full-time employees with $25,000 in basic life insurance and $25,000 in AD&D (accidental death and dismemberment) coverage.  *except CCDD employees who are covered by their Union life insurance plans.

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.

Voluntary Life Insurance

In addition to the county paid life insurance, full time employees can elect additional coverage through the voluntary life plan and/or Supplemental Universal Life plan.

Voluntary Life & AD&D Coverage includes:

  • New hires and/or newly eligible employees can elect up to 3x their annual salary up to a maximum of $500,000, without needing to supply any medical information. Coverage is available in $10,000 increments.
  • Spousal life insurance is also available in an amount equal to or less than the employees coverage, up to a maximum of $50,000 without supplying medical information. Coverage is available in $10,000 increments.
  • Child life coverage is available in amounts equal to or less than the employees coverage, up to a maximum of $20,000.  Coverage is in $5000 increments and one policy covers all eligible children up to age 26.

Both Basic and Voluntary Life coverage include:

  • 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.
  • Provisions to allow you to transition policies to self-pay at the end of county employment.

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.

Porting or Converting Your Coverage:  Options are available to continue your coverage at the end of your County employment.

  • ‘Porting’ to another group plan is available for continuing your voluntary life coverage up to age 70. Rates for ported coverage are age-based and will continue to increase with each 5th year birthday. You may choose to ‘port’ any amount up to the coverage you had as an active County employee.  Maximum coverage age is 70th birthday.
  • ‘Converting’ to a personal plan is available for both voluntary life and/or your county paid coverage. Generally is initially more expensive than the ‘porting’ option; however, rates are locked in at the time of ‘conversion’ and you can keep your coverage up to age 121.  You may choose to ‘convert’ any portion of your County paid coverage ($25,000) and/or voluntary life .
  • See additional information and necessary forms for ‘Porting’ or ‘Converting’ coverage by clicking on the links provided.

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