Supplemental Life & LTD Open Enrollment

Welcome to the District's Supplemental Life and Long Term Disability Special Open Enrollment web page. This is a special open enrollment period outside of the District's normal Spring Enrollment period. This open enrollment period is for supplemental life insurance and long term disability insurance only. Please be sure to review all the information below as it pertains to your benefit elections.

  1. Why Open Enrollment?
  2. Supplemental Life Insurance
  3. Long Term Disability Insurance
  4. How do I make my election changes?
  5. When do election changes take effect?
  6. How will I know if my elections have been accepted?
  7. Resources

Why Open Enrollment?

In August 2018, Human Resources (HR) distributed a memo regarding the recent bid process for life insurance and long term disability insurance. As a result of that bid process, the District was able to secure better rates and coverage for both life and long term disability insurances through Cigna.

To ensure eligible District staff have the coverage that meets their needs, the District will be holding a special open enrollment period for supplemental life insurance (employee, spouse, and/or dependent child(ren)) and long term disability insurance. This special open enrollment period will take place October 1st - 31st, 2018 with an effective date of December 1, 2018. During this special open enrollment period, you will have the following options as outlined below.

Supplemental Life Insurance

Supplemental life insurance is additional life insurance you may purchase for yourself, your spouse, and/or your child(ren). Please note, supplemental life insurance purchased is additional life insurance coverage to the Basic Life Insurance coverage provided at no cost to you from the District.

Basic Life Insurance is provided automatically to all benefit-eligible employees and family members and requires no action on your part to enroll. Basic Life Insurance covers:

  • For you - life insurance equal to $50,000
  • For your spouse - up to $5,000
  • For your unmarried children (up to age 26) - up to $3,000

Coverage Types

To view your existing coverage elections, reference the Viewing Benefit Elections document.

Employee Coverage
  • If you currently have coverage and would like to keep the coverage you have, you will not need to take any action.
  • If you currently have coverage and would like to increase/decrease your coverage amount, you may do so in increments of $10,000 up to the lesser of 7 times Annual Compensation or $400,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $500,000 (would require proof-of-insurability).
  • If you currently have coverage and would like to cease coverage, you may cancel your policy during this time.
  • If you do not currently have coverage and would like to enroll in supplemental life for yourself, you may do so in increments of $10,000 up to the lesser of 7 times Annual Compensation or $400,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $500,000 (would require proof-of-insurability).
Spouse Coverage
  • If you currently have coverage and would like to keep the coverage you have, you will not need to take any action.
  • If you currently have coverage and would like to increase/decrease your coverage amount for your spouse, you may do so in increments of $10,000 up to $20,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $300,000 (would require proof-of-insurability).
  • If you currently have coverage for your spouse and would like to cease coverage, you may cancel your policy during this time.
  • If you do not currently have coverage and would like to enroll in supplemental life for your spouse, you may do so in increments of $10,000 up to $20,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $300,000 (would require proof-of-insurability).
Dependent Child(ren) Coverage
  • If you currently have coverage and would like to keep the coverage you have, you will not need to take any action.
  • If you currently have coverage and would like to increase/decrease your coverage amount for your child(ren), you may do so in increments of $2,000 up to $20,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $20,000.
  • If you currently have coverage for your child(ren) and would like to cease coverage, you may cancel your policy during this time.
  • If you do not currently have coverage and would like to enroll in supplemental life for your child(ren), you may do so in increments of $2,000 up to $20,000 without having to provide proof-of-insurability (a.k.a. guaranteed issue) with a maximum benefit of $20,000.
    • The Maximum Benefit for a Dependent Child who is less than 6 months old is $2,000.

Supplemental Life Insurance Documents

For all information regarding the new Cigna supplemental life insurance plan, please reference the following documents:

Supplemental Life Insurance Rates

Voluntary life insurance rates are based on your age and the number of $10,000 units you purchase.

Employee & Spouse
Employee/Spouse Age  Monthly Cost per $10,000 Unit
 Under 30  $0.60
 30 to 34  $0.70
 35 to 39  $0.80
 40 to 44  $1.35
 45 to 49  $2.05
 50 to 54  $3.05
 55 to 59  $5.30
 60 to 64  $8.10
 65 to 69  $12.40
 70 to 74  $17.90
 75 & over  $26.20
Child(ren)

Monthly cost for children: $0.70 per $2,000 of coverage. One premium insures all your eligible children. Costs are subject to change.

Long Term Disability Insurance

As was outlined in the recent memo, American Fidelity, the District’s previous long term disability provider, was going to increase the District’s long term disability rates for the 2018-19 plan year. As a result of this increase, the District went to bid and selected Cigna as the District’s new long term disability provider.

Coverage

To view your existing coverage election, reference the Viewing Benefit Elections document.

  • If you had previously elected long term disability insurance through American Fidelity, your plan was automatically rolled over to the new Cigna plan, effective September 1, 2018. If you would like to continue coverage, you will not need to take any action.
  • If you currently have coverage and would like to cease coverage, you may cancel your policy during this time.
  • If you do not currently have coverage and would like to enroll in long term disability, you may do so during this special open enrollment period with guaranteed issue without being subject to proof-of-insurability.

Long Term Disability Documents

For all information regarding the new Cigna long term disability plan, please reference the following documents:

Certified
Classified

Long Term Disability Rates

Long term disability insurance rates are based on your classification type in the District - certified or classified - and your annual salary.

Certified
  • Benefit: 60% to a maximum of $7,500
  • Maximum Monthly Covered Payroll: $12,500
  • Rate: $0.32 per $100 of covered payroll
Certified Calculation Example
Annual Earnings Monthly Covered Payroll
 Rate Monthly Premium 
 Example 1  45,000  3,750  0.32  12
 Example 2  55,000  4,583  0.32  14.67
 Example 3  65,000  5,417  0.32  17.33
 Example 4  75,000  6,250  0.32  20
 Example 5  100,000  8,333  0.32  26.67
 Example 6*  155,000  12,500  0.32  40
 Example 7*  175,000  12,500  0.32  40
 * Covered payroll capped at $12,500  
Classified
  • Benefit: 60% to a maximum of $7,500
  • Maximum Monthly Covered Payroll: $12,500
  • Rate: $0.52 per $100 of covered payroll
Classified Calculation Example
Annual Earnings Monthly Covered Payroll
 Rate Monthly Premium 
 Example 1  45,000  3,750  0.52  19.5
 Example 2  55,000  4,583  0.52  23.83
 Example 3  65,000  5,417  0.52  28.17
 Example 4  75,000  6,250  0.52  32.5
 Example 5  100,000  8,333  0.52  43.33
 Example 6*  155,000  12,500  0.52  65
 Example 7*  175,000  12,500  0.52  65
 * Covered payroll capped at $12,500  

How do I make my election changes?

The District uses an online benefits platform, InfinityHR, to manage enrollment of benefits. To make election changes to supplemental life and/or long term disability, navigate to InfinityHR. For login assistance, reference the information below:

  1. First Time User
    1. If you are a first time user, navigate to InfinityHR and click the First Time User link.
    2. Follow the prompts to establish your account.
  2. Existing User
    1. If you are an existing user, navigate to InfinityHR and enter your User ID and Password.
    2. Your User ID is your Employee ID followed by the last five (5) of your social security number (SSN).
  3. Reset ID and Password
    1. If you do not remember your password, navigate to InfinityHR and click the Reset ID and Password link.
    2. Follow the prompts to reset your password.

When do election changes take effect?

The elections made during the special open enrollment will take effect December 1, 2018 with your first deduction(s) coming out of your November paycheck. Please note, if you do not make elections during this special open enrollment, you may still make election changes in the future; however, you will be subject to proof-of-insurability.

How will I know if my elections have been accepted?

After you submit your changes in InfinityHR, you will receive a notice to your District-provided email address from Human Resources outlining your changes. Be sure to review your changes and ensure they are correct.

Resources