Life Insurance and Disability
These benefits can provide you and your family with income security when you need it the most.
Basic Term Life Insurance
NEW for 2023/2024! Beginning July 1, 2023, DeKalb County will cover the full cost of the Basic Life and AD&D Insurance benefit described below.
Basic Term Life Benefits
- For full-time employees: benefit equal to 2.25 times your basic annual earnings, rounded to the next higher $1,000, subject to a maximum of $250,000
- For part-time employees working between 20-39 hours weekly: benefit equal to 1.125 times your basic annual earnings, rounded to the next higher $1,000, subject to a maximum of $125,000
Additional Benefits
If you enroll in Basic Term Life, you are automatically enrolled in Accidental Death and Dismemberment (AD&D) Coverage. If you are seriously injured or lose your life in an accident, you will be eligible for a benefit equal to your Basic Term Life coverage.
You are also automatically enrolled in Dependent Term Life with a flat benefit of $5,000.
Note: If you don’t enroll in Basic Term Life when you are first eligible, you will be required to undergo medical testing and/or answer a medical questionnaire to be approved for coverage.
Supplemental Life Insurance
You must enroll in Basic Term Life to enroll in any of these options. All options include supplemental AD&D coverage equal to your Supplemental Life Insurance.
Benefit Options
- For yourself: Choose one, two, three, or four times your basic annual earnings (rounded to the next higher $1,000) up to a $1,000,000 maximum benefit ($500,000 for part-time employees).
- For your spouse: Choose coverage in $10,000 increments up to a $100,000 maximum benefit.
- For your child(ren): Flat benefit of $5,000
Note: If you choose more than three times your annual earnings or $100,000 for yourself, you will be required to undergo medical testing and/or answer a medical questionnaire to be approved for coverage. Your spouse will have these requirements if you choose coverage of more than $20,000. In addition, these requirements apply if you and/or your spouse didn’t enroll when first eligible.
Cost for Coverage
The rate for Supplemental Life and AD&D depends on your age.
| Supplemental Employee/Spouse/Domestic Partner Life and AD&D | |
|---|---|
| Age (Rate changes on your birthday) |
Monthly Rate Per $1,000 of Coverage |
| Less than 30 | $.10 |
| 30 – 34 | $.11 |
| 35 – 39 | $.14 |
| 40 – 44 | $.17 |
| 45 – 49 | $.22 |
| 50 – 54 | $.35 |
| 55 – 59 | $.62 |
| 60 – 64 | $.78 |
| 65 – 69 | $1.44 |
| 70+ | $2.29 |
Short-Term Disability (STD)
This coverage is available through Aflac. It can help offer peace of mind if an unexpected sickness or injury occurs (due to a non-work-related illness or injury) and provides coverage for pregnancy. It provides monthly cash benefits to help you replace lost income if you are unable to work.
Benefit Options
- Income replacement level: Choose 20%, 40%, or 60% of base annual pay, not to exceed $6,000 in monthly benefits. Health questions will be required if your income replacement level selected equals more than $4,000 in monthly benefits.
- Benefit period: Choose 12 or 24 months.
When Benefits Start
Benefits start the first day after the elimination period (30 days), when you are totally disabled and cannot work. A pre-existing condition limitation does apply.
Important Notes
A physician must be consulted within 72 hours of incurring the injury or illness in order for a claim to be approved.
If electing a STD plan, any salary increase received does not automatically increase your coverage. You must take the following steps:
- Contact the Employee Benefits Team to let them know that you would like to increase your STD amount due to receiving a salary increase.
- The Employee Benefits Team will let you know when to log in to the system and complete the STD amount increase.
- Be sure to submit the form at the very end, or your STD amount increase will not take effect.
