Group Life Insurance

Group Life & Accident Insurance

The County provides group term Life and Accident insurance for full-time county employees through Mutual of Omaha.

The policy provides coverage in the amount of:

• $50,000 for employees through age 64
• $32,500 for employees 65-69
• $25,000 for employees 70+

The coverage is double indemnity, meaning that it provides two insurance policies in one.  The policy is a Life and Accident policy because it would pay your beneficiary the coverage amount in the event of a death due to natural causes, and it would pay your beneficiary a second time in the event that the death was accidental. 

Voluntary Term Life & Accidental Death Insurance

You may increase your basic life insurance coverage by purchasing Voluntary Term Life and Accident coverage for you and your family members through Mutual of Omaha as a new employee, during annual enrollment, or if you have a qualified family status change mid-year. 

There are three coverage categories for Voluntary Term Life & Accident insurance:

• Employee Only
• Employee Plus Spouse
• Employee + Child(ren)

You may purchase coverage for yourself in $10,000 increments.  When you are first eligible, up to $150,000 in employee coverage is available as guaranteed issue.  You cannot purchase life insurance coverage greater than 5 times your annual base pay. The minimum amount of coverage you can elect for yourself is $10,000, while the maximum is 5 times your pay up to $500,000.

You may elect coverage for your spouse in addition to your coverage.  The maximum amoung of coverage available for your spouse is 50% of the employee's benefit election.  The minimum coverage amount you can elect for your spouse is $5,000 and you may purchase in $5,000 increments up to a maximum of $100,000.  As a newly eligible employee, your spouse' guaranteed issue amount is $50,000.

You may cover your child(ren) after they are 14 days old.  The minimum coverage amount is $2,000, while the maximum is 50% of the employee's benefit, up to $10,000.  Children are eligible for coverage up to age 21 (25 if a full-time student). 

This product is portable, should you decide to leave employment of the County.  Conversion rates apply.

If you need to update or change your Beneficiary, please open the Beneficiary Form document below, print, complete, and return to the Risk & Insurance Department at Clinton County.