Voluntary Insurance Plans

Who can use this service?

These voluntary plans are only available to permanent County employees working a minimum of twenty (20) hours per week.

Is there a charge for this service?

Monthly premiums vary depending on the type of insurance and amount of coverage selected. Monthly premium payments are deducted in two (2) installments from the first two (2) pay periods of each month. They appear as after tax deductions on the employee's remuneration statement.

What is the process?

Step 1: Check Eligibility

New employees can enroll in voluntary plans within the first 31 days of employment with a guaranteed issue for short term disability, long term disability and up to $150,000 for employee life insurance, without submitting an Evidence of Insurability (EOI) form. After that initial 31 days, employees cannot enroll in Voluntary Benefits until Open Enrollment of each year and EOI requirements will apply. It is the employees responsibility to complete an EOI form which requires additional information about your health and the health of your dependents you want to cover. You must submit the  EOI form to Voya for them to determine your eligibility. No deductions will be taken from your paycheck until the EOI has been approved by Voya.

Voya plans sponsored by the County are group plans and Voya does not maintain individual eligibility or enrollment information for these plans. All plan documents are provided below. 

Evidence of Insurability (EOI) Form Instructions

Evidence of Insurability (EOI) Form

Step 2: View Available Plan Options

Available voluntary insurance plans are listed below:


Supplemental Life and AD&D (Group Policy: CSAC EIA 31640-7 Acct #37)

Benefit is available to all eligible employees through Voya Financial for the 2017 plan year. 

  • Employees can apply for supplemental coverage in increments of $10,000, the minimum coverage amount is $20,000 with a maximum of $500,000.
  • New Hires: Employees can elect up to $150,000 without providing evidence of insurability (EOI) if they apply within 31 days of first becoming eligible. An EOI form will be required for all other enrollees.


Supplemental Life and AD&D Plan Summary

Supplemental Life and AD&D Plan Document 


Voluntary Disability Income Insurance

Voya Voluntary Short-Term Disability Insurance (Group Policy Number: 31640-7)

  • Can replace a portion of your income during the initial weeks of a disabling illness or accident. 
  • Benefit is available to all active employees working 20+ hours per week that are not covered by another CA STD policy.
  • New Hires: Employees can enroll without providing an evidence of insurability (EOI) form if they apply within 31 days of first becoming eligible. An EOI form will be required for all other enrollees.

Voya Long-Term Disability Insurance (Group Policy Number:31640-7)

  • Can replace a portion of your income if you can't work because an injury or illness prevents you from performing any of your functions over a long time.  It's important to know that benefits are reduced by income from other benefits you might receive while disabled, like workers' compensation and Social Security. 
  • All County employees are eligible to participate except for employees that are covered by a long-term disability policy.
  • Long-Term disability benefits begin after short-term disability benefits end.

Short & Long Term Enrollment at a Glance

Voya Short Term Disability Plan Document

Voya Long Term Disability Plan Document

For Claims form, see Step 3: How to Submit a Claim


Aflac Voluntary Accident Insurance (Group Policy Number: CA17800) provides added protection for expenses related to an accident such as ER visits, hospitalization, physical therapy, or specific injuries are also eligible for benefits under this policy. 

  • $50.00 wellness benefit for covered preventive screenings.
  • Transportation and lodging benefit.
  • Emergency room treatment benefit.
  • Coverage is available for you, your spouse and dependent children.
  • Fast claims payment - most claims are processed in about four business days.
 Voluntary Accident Insurance Monthly Rate
 Employee $18.86 
 Employee and Spouse $28.26
 Employee and Dependent Children        $32.48
 Family  $41.88


Accident Insurance Plan Document


Aflac Critical Illness Insurance (Group Policy Number: C21000) is a limited benefit policy and is not health insurance.  The policy pays a benefit on top of any health insurance benefits you currently receive. 

  • Critical Illness insurance pays you a lump sum benefit upon initial diagnosis of a covered illness such as cancer, heart attack or stroke. 
  • Employees may select between either a $15,000 or $30,000 benefit amount in coverage.
  • Spouse and child(ren) coverage is 50% of employee selected amount.
  • $50.00 wellness benefit for covered annual health screenings per calendar year.
  • $200.00 mammography benefit.

Critical Illness Insurance Plan Document

Critical Illness Plan Rates

Critical Illness Health Screening Form

Step 3: How to Submit a Claim

Voya Short Term and Long Term Disability Claims

  1. Start the process 2 – 4 weeks in advance of your disability date. Internal processing takes about 1 - 2 weeks and cannot be completed until date of disability
  2. Provide a copy of the Disability Income Phsyicians Statement to your doctor.
  3. Download and complete the employee disability form.
  4. Submit the employee form to Voya per form instructions or Online at Voya’s Claim center. Since this is a group plan, Voya is unable to answer questions related to individual claims until an employee claim form is submitted.
  5. Email [email protected] and [email protected] or Interoffice mail to HR Benefits with a request to complete the employer disability form. Include a copy of your employee forms or the following information:
    • Employee Name
    • Date of Birth
    • Social Security Number
    • Whether Applying for Short or Long Term Disability
    • Last Day at Work
    • Date of Disability
    • Whether or not the disability is work related
    • Copies of Approved Leave of Absence (LOA) Forms
  6. The County will submit the completed form to Voya for processing. The County does not receive any information regarding the status of your claim.
  7. Once a claim has been submitted, you are able to contact Voya directly on questions related to your claim or payment of your claim.

 

Voya Claims Forms

Voya Claims Center Flyer

Voya How to File an Insurance Claim

Short & Long Term Disability Income Insurance Claim Form - Employee

Short & Long Term Disability Income Insurance Claim Form - Employer

Short Term Disability Physcian Statement

Long Term Disability Physcian Statement

Occupational Demands Form- Employer (As required by Voya)

 

Aflac Accident and Critical Illness Claims

After you have experienced a qualifying event you may:

  1. File a claim online at AlfacGroupInsurance.com or download and submit the claim form to Aflac via fax or mail. 
  2. Contact Aflac for any questionson how to submit a claim or your claim status.

Aflac Accident Claim Form

Accident Wellness Benefit Claim Form

Critical Illness Claim Form

When and where is this service offered?

These voluntary plans are offered to permanent County employees upon employment or qualifying event.

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