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 the 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
What is AD&D Insurance? AD&D stands for Accidental Death & Dismemberment. AD&D coverage provides added protection against losses due to 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.