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OPEN ENROLLMENT & BENEFITS REFERENCE GUIDE
OTHER
Benefits
VOLUNTARY BENEFITS
Voluntary Benefits are provided to employees and are complete-
ly optional. The County makes no contributions and receives
no consideration in connection with the voluntary benefit pro-
grams. The County collects payroll deductions and remits col-
lected amounts to the voluntary benefits provider. Enrollments,
changes and cancellations must be made directly through the
voluntary benefits provider. Employees may enroll in the vol-
untary benefit programs at any time, year round. Contact Select
Benefits Communications Group at
1-888-711-4478
between
the hours of 8:30am and 4:30pm daily.
Short Term Disability Income Insurance
Each employee may choose from two Short Term Disability
(STD) policy options at their time of application for coverage.
Both plans pay 60% of income, tax-free for up to 6 months of
continuous disability due to any illness or off job accident. On
job accidents are referred for Workers Compensation review
and not covered by these plans. Both plans have a 12-month
pre-existing condition exclusion whereby health issues you are
currently diagnosed with having or having symptoms of are not
covered during the first 12 months in the plans. These condi-
tions will be covered after a full 12 months has been completed
under the plan. Pregnancy is covered under both plans follow-
ing a 10 month waiting period after your coverage effective date.
Your cost in both plans does not increase as you get older. The
only increase in cost would be if you increased your coverage to
keep pace with income adjustments that may occur over time
such as following a promotion or change of position/pay level.
Plan #1
is underwritten by Transamerica and will be re-
duced by sick leave or other paid time off. This plan is consid-
ered by many employees with limited leave accrual. This plan is
not portable if you leave employment at the County.
Plan #2
is underwritten by Allstate and pays in addition to
all other sources of income including sick leave or any other
paid time off. This option is portable in the event of employ-
ment termination at the same cost as when you enrolled. Plan
#2 is often considered by those with limited paid time off accru-
al and especially by those who have more time off built up but
like the security of knowing extra income will be forthcoming if
they are disabled without benefit offset.
The cost of both disability options is based upon the age of
the employee at time of application, income and nature of occu-
pation. Health questions will be asked by the insurance carriers
to determine underwriting approval. Not everyone will qualify
based on underwriting review.
Carolyn Ryan
Annapolis 10 Miler
Becky Batta
MS Walk
James Woods
River Valley Run Trail Race