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Insurance Benefits

Insurance

Life Insurance provides basic protection for your loved ones if something happens to you. While many U.S. households have life insurance, the average amount of coverage is often inadequate to meet family needs or pay off debt.

Taking advantage of life insurance coverage provided by the Court can be an important part of your financial security.

Life Insurance

Basic Life Insurance Plan

Life insurance is an important part of your comprehensive benefits package – for peace of mind and the financial protection for you and your family in the event of death or a serious accident.  All regular employees are enrolled in the Basic Life Insurance Program through VOYA (formerly ING) at no cost to you.

  • Enrollment at a Glance  
  • A benefit that helps cover the unexpected, sudden costs associated with a death.
  • This Basic Life Insurance Coverage is provided by the Santa Barbara County Superior Court at no cost to employees.
  • This program is underwritten by ReliaStar Life Insurance Company
  • How to File a Claim

Supplemental Life Insurance & Accidental Death & Dismemberment

All regular employees may enroll in Supplemental Life Insurance through VOYA. Premiums are determined by your age and will be withheld from your paycheck.
For any amount elected after your initial eligibility period (31 days), you must provide Evidence of Insurability (EOI) and be approved for the amount elected.

Class

Amount of Supplemental Life Insurance*

Amount of Supplemental
AD&D Insurance*

Eligible Employees

Can elect from $20,000 to $500,000 in $10,000 increments

$10,000**

Spouse or Domestic Partner

Can elect from $20,000 to $500,000 in $10,000 increments not to exceed 100% of Employee's Supplemental Life Insurance amount

Employee must have coverage.

Child

Can elect $5,000 or $10,000

From birth to age 19 or full-time student under 26 years of age.

From 6 months until age 26. Child under 6 months covered for $1000. Employee must have coverage.

* Your amount of Supplemental Life and AD&D will decrease to 65% on your 65th birthday, to 50% of original coverage amount at age 70 and to 30% of the original coverage at age 75.

** A $10,000 AD&D policy is included with the Employee's Supplemental Life insurance policy for a minimal fee.

Supplemental Rates

Other Voluntary Insurance

Critical Illness Insurance

Compass Critical Illness Insurance through VOYA Financial is a limited benefit policy and is not health insurance. This policy pays a benefit on top of any health insurance benefits you currently receive. Critical illness insurance pays you a lump sum benefit upon diagnosis of a covered illness such as cancer, heart attack or stroke. Payments are made directly to you to cover copays and deductibles, at-home care or even you monthly bills. This policy also offers a Wellness Benefit, which provides a $150 reimbursement for covered health screenings. The Wellness Benefit Rider is designed to encourage you to protect your health and well being by offering you the comfort of knowing that your Premier Critical Illness Insurance Policy can help with the costs of important medical and health screening tests.

Compass Accident Insurance

Voluntary Compass Accident Insurance is offered by Voya Financial. This policy helps you pay for the out-of-pocket costs you may experience after an accident. The policy pays a lump sum amount depending on the type of injuries you have sustained such as broken bones, torn ligaments, burns, as well as for expenses from hospitalizations, the ER, office visits or physical therapy. You may use this amount to pay for everyday living expenses or to pay healthcare costs.

The policy also has an annual Wellness Benefit that pays you $100 for completing a screening, an additional $100 to covered spouse and $50 for a child.

Learn more here:

Covered members may submit the same wellness claim for reimbursement in both plans.

The Superior Court is introducing the Compass Hospital Confinement Indemnity Plan for the 2020 plan year.  The plan pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility.  This voluntary benefit is separate from your Blue Shield hospital benefit  This new Voya plan will pay you a lump sum which you can use to help offset copays, coinsurance, deductibles that you incur for a hospital admission or you can use it to pay bills, rent or buy groceries.

The plan also has a Wellness benefit that provides an annual amount if you complete a health screening test.  For employees, the annual benefit amount is $50 for completing a health screening test.  Your spouse's benefit amount is $50. The benefit for child coverage is 50% of your benefit amount per child with an annual maximum of $100 for all children.

  • Enrollment at a Glance
  • Rates:
    • $.04 per month per $1,000 of employee only PAI coverage      (EX:  200,000X.04)/1000=$8.00/mo
    • $.056 per month per $1,000 of Employee and Family PAI coverage (EX: 200,000x.056)/1000=$11.20/mo

All regular employees may enroll in voluntary Personal Accident Insurance (PAI) through VOYA. Premiums are based on a flat rate per $1,000 and will be withheld from your paycheck. Coverage can be elected for Employee only or Family (Spouse/Domestic Partner and Child). Evidence of Insurability (EOI) is not required for PAI.

Personal Accident Insurance provides additional protection for your loved ones in the event you are killed or severely injured in a covered accident.  PAI can help you or your family deal with the expenses and financial obligations that arise in the wake of a serious accident.

For you

  • Coverage amounts from $25,000 to $300,000 in $25,000 increments not to exceed 10 times your annual salary.
  • Benefit amounts reduce to 65% of original coverage at age 65, to 50% of original coverage at age 70, and to 30% of original coverage at age 75.
  • Benefit ceases at retirement.

For your family

All regular employees working over 20 hours per week are enrolled in Long Term Disability Insurance through VOYA.  This benefit is paid for by the Court on your behalf.  The monthly benefit percentage is 60% of monthly earnings.  The minimum monthly benefit is $100 with maximum monthly benefits of $9,000.  You must be disabled for 60 days before you can begin receiving LTD benefits.

Using Your Benefit

The LifeTime Benefit Term benefit plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grand children, retirement, family debt, and final expenses. Cash benefits can also be paid directly to you for Long Term Care (LTC) expenses while you are living. This benefit works by providing you Term Life Insurance and a Long Term Care benefit. 

What is Long Term Care? 

Long term care is the type of care received either at a nursing home or in an assisted living setting to assist with Activities of Daily Living (ADL's) due to an accident, illness or advancing age. Long term care insurance pays benefits when a physician certifies that you are unable to perform two of six ADL's for a period that is expected to last at least 90 days. ADL's are: bathing, dressing, toileting, transferring, continence, eating or (2) cognitive impairment. Insurance premiums are waived while this benefit is being paid. 

Term Life Insurance

  • Life insurance premiums will never increase and are guaranteed to age 100. Thereafter no additional premium is due while the coverage can continue to age 121. 
  • Death Benefit is guaranteed 100% when it is needed most - during your working years when your family is relying on your income. While the policy is in force, the death benefit is 100% guaranteed for the longer of 25 years or age 70. 
  • Even after age 70, the full death benefit is designed to last through age 99 for non-tobacco user and age 95 for tobacco users. 
  • After 10 years, paid-up benefits begin to accrue. At any point thereafter, if you stop paying the premium, a reduced paid-up benefit is issues and can never lapse. This means that when you retire, you can stop paying the premium and have a death benefit for the rest of your life. 
  • Terminal illness - after your coverage has been enforced for two years, you can receive 50% of your death benefit, if you are diagnosed with a terminal illness. 

LONG-TERM CARE (LTC) Rates

Carrier CHUBB Lifetime Benefit Term CHUBB Lifetime Benefit Term
Death Benefit $75,000 $50,000
Max Policy Benefit $150,000 $100,000
Monthly LTC $3,000 $2,000
LTC Duration 50 Months 50 Months
  Non-Smoker  Non-Smoker

25

 $41 $27
35 $60 $40
45 $99 $66
55 $184 $123
65 $398 $265
  Smoker Smoker
25 $54 $36
35 $78 $52
45 $133 $88
55 $248 $166
65 $522 $348

More than ever, pets play a huge role in our lives.  We want to do everything to keep them safe and healthy.  Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.

  • Flexible coverage with up to 90% reimbursement. 
  • Optional preventive care coverage.
  • 24/7 access to Telehealth concierge services. 
  • Discounts up to 30% and additional offers on per care, where available. 
  • Coverage of previously covered pre-existing conditions when switching providers. 
  • MetLife Pet mobile app to submit and track claims and manage your pet's health and wellness. 

Get a quote by calling (800) 438-6388 or visiting www.metlife.com/getpetquote

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