Supplemental Life Insurance

Regular employees may elect to purchase additional Supplemental Life Insurance for themselves, their spouse or domestic partner, and dependent children up to the age of 26. Employees will pay the associated premiums for this optional coverage.

Supplemental Coverage Amounts

Benefit	Coverage Maximum	Employee Montly Cost	Enrollment Limits
Employee Life	$500,000	Based on Age/Coverage Amount	Anytime.*
Employee Life - GI	$200,000	Based on Age/Coverage Amount	New Hire, Qualifying Event
Spouse Life	$250,000	Based on Age/Coverage Amount	Anytime.*
Spouse Life - GI	$30,000	Based on Age/Coverage Amount	New Hire, Qualifying Event
Child(ren) Life	$5,000 or $10,000	Flat $.50 or $1.00	Anytime.
AD&D - Employee Only	$250,000**	$.03 x every $1,000	Anytime.
AD&D - Family	$250,000**	$.05 x every $1,000	Anytime.

*Amounts requested above the GI, or outside a GI enrollment window will be subject to underwriting and approval by the Hartford.

**Sheriff Deputies, Sergeants, Captains, & Lieutenants are limited to a maximum of $75,000 in AD&D Coverage.

Supplemental Employee LIfe

Coverage is issued in increments of $10,000. The coverage maximum is up to 5 times your annual earnings or $500,000, whichever is less. Newly eligible employees must enroll within 30 days from their date of hire/date of becoming newly eligible to elect up to the Guaranteed Issue (GI) amount without submitting evidence of insurability. The GI amount for employees is $200,000. If an employee elects more than $200,000, increases their current coverage, or applies at any time other than when newly eligible, the enrollment request will be subject to additional underwriting by The Hartford.

Supplemental Spouse Life

Coverage is issued in increments of $5,000. The coverage maximum is $250,000. Newly eligible spouses/domestic partners must enroll within 30 days from the employee’s date of hire/date of becoming newly eligible or 30 days from the date of a new marriage/domestic partnership to elect up to the Guaranteed Issue (GI) amount without submitting evidence of insurability. The GI amount for spouse/domestic partners is $30,000. If and employee elects more than $30,000 for your spouse/domestic partner, increases their current coverage, or applies at any time other than when newly eligible, the enrollment request will be subject to additional underwriting by the Hartford.

Supplemental Accidental Death and Dismemberment (AD&D)

Additional AD&D insurance can be purchased for employee or family coverage. Enrollment is anytime, up to $250k in coverage. Note: Sheriff Deputies, Sergeants, Captains, & Lieutenants are limited to coverage up to $75k.

Supplemental Children Life

Child Life can be elected in either $5,000 in coverage for $.50 per month, or $10,000 in coverage for $1.00 per month. The one flat fee and policy will cover all eligible dependent children from their date of birth through the last day of the month in which they turn 26. Children may be enrolled at any time during the year and do not need to submit evidence of good health.

Coverage Limitations

Spouse Life: Spouses of County employees are not eligible for Spouse Life Coverage.
Child Life: Children shared by two County employees can only be covered for Child Life under one parent/employee.
Family AD&D Coverage: Spouses of County employees are not eligible to be covered under family AD&D, and Children of two County employees can only be covered for family AD&D under one parent/employee.
Premium Contributions