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Supplemental Insurance Programs

The Santa Barbara County offers a variety of insurance policies that are available to you. Below are highlights of programs that are offered. 

Important:

If you and your spouse/domestic partner both work for the County, only one of you may elect/enroll into coverage for your spouse or dependent for all Voluntary plans. It is one plan/policy per person.

***Voya will not pay out double claims and the County will not reimburse for double enrollments. 

Voya Employee Benefits Resource Center Voya

County Paid Benefits:

1- BASIC LIFE and Accidental Death & Dismemberment (AD&D)

Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech, sight, or hearing, or if you die in an accident. The cost of coverage is paid in full by the County of Santa Barbara. Coverage is provided by Voya Financial. 

Eligible Group Basic Life and AD&D Amount
Department Heads, Board of Supervisors and Elected Officials $50,000
Assistant Department Heads $30,000
Managers & Unrepresented Attorneys, Confidential Employees, and employees in job classes represented by:
  • Deputy District Attorneys Association
  • Civil Attorneys Association
  • Deputy Sheriffs Association
  • Engineers & Technicians Association
  • SEIU Local 620 & 721
  • Fire Fighters Locals 2046
  • Probation Peace Officers Association
  • Union of American Physicians & Dentists
 $20,000


Taxes: Due to IRS regulations, a life insurance benefit of $50,000 is considered a taxable benefit. You will see the value of the benefit included in your taxable income on your paycheck and W-2. 

Child Bike

  

  

2- LONG-TERM DISABILITY INSURANCE

 Long-Term Disability coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performing any of your job 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.

If you qualify, long-term disability benefits begin after 60 days. The cost of coverage is paid in full by the County of Santa Barbara. Coverage is provided by Voya Financial.  

Eligible Group:
Department Heads, Assistant Department Heads,
Managers, Unrepresented Attorneys,
Confidential Unrepresented Employees,
and employees represented by
the Union of American Physicians, & Dentists,
Deputy District Attorneys Association
and Civil Attorneys Association. 		Plan pays 60% of your basic monthly income
$9,000 is maximum amount
Benefits begin after 60 days of disability
Social Security normal retirement age is maximum payment period*


Eligible Group:
Employees in job classes represented by:
  • Engineers & Technicians Association
  • SEIU Local 620 & 721
  • Fire Fighters Locals 2046
  • Probation Peace Officers Association
 Plan pays 60% of your basic monthly income
$3,600 is maximum amount
Benefits begin after 60 days of disability
Social Security normal retirement age is maximum payment period*

*The age at which the disability begins may affect the duration of the benefits. 


Employee Paid Benefits:

1- VOLUNTARY TERM LIFE INSURANCE

 Voluntary Term Life Insurance allows you to purchase additional life insurance to protect your family's financial security. Coverage is provided by Voya Financial. 


Employee Voluntary Term Life Amount Can elect from $10,000 to $500,000 in increments of $10,000. Guaranteed issue amount is $300,000* or $150,000* for age 60 and over for new hires only.
Spouse or Domestic Partner Voluntary Term Life Amount Can elect from $10,000 to $500,000 in increments of $10,000 not to exceed 100% of Employee's Supplemental Life Insurance amount. Guaranteed issue amount is $50,000.*
Child(ren) Voluntary Term Life Amount Can elect $5,000 or $10,000 (from 6 months to age 26). Guaranteed issue amount is $10,000.

Note: Married employees are not eligible for spouse coverage if the other spouse enrolls in Voluntary Term Life Insurance.

*$20,000 of AD&D is included in this policy at no additional cost. 

Portability vs Conversion

Term Life Coverage Continuation Request

Life Conversion Information Request

LTD Conversion Information Request

2- VOLUNTARY WHOLE LIFE INSURANCE

Whole Life insurance, through Manhattan Life, formerly Humana, provides you with additional financial security and is designed to last through your retirement. A Facility Care Rider offers protection for Long Term Care expenses.  


Employee Base Coverage Guaranteed issue limit: up to $14/week.
Coverage minimum is $2,500 to maximum of $125,000.
Spouse Stand-alone Coverage Guaranteed issue limit: $4/week to max of $15,000.
Coverage minimum is $2,500 to maximum of $50,000.
Child(ren) Stand-alone Coverage Guaranteed issue limit: up to $10,000.
Coverage minimum is $2,500 to maximum of $25,000.


The plan provides:

•       An accelerated death benefit for terminal illness. It will pay when insured is diagnosed with a terminal illness with 6 months or less to live. Payment is 50% of face amount of base plan or $100,000.

•       An accelerated benefit for terminal illness. Plan will pay lump sum of 50% of death benefit after diagnosis when life expectancy is 12 months or less.

•       A facility care accelerated benefit rider. Provides monthly benefit for licensed adult day care facility or inpatient residential care for nursing home or assisted living facility.


  To enroll or for additional information, please call Farmington at 877.290.3931. 

3- VOLUNTARY PERSONAL ACCIDENT

Voluntary Personal Accident Insurance (PAI) is offered by Voya Financial. Premiums are based on a flat rate per $1,000 for Employee only or Family (Spouse/Domestic Partner and Child). Evidence of Insurability (EOI) is not required. 


Employee Voluntary
Personal Accident 		Can elect from $25,000 to $500,000 in $25,000 increments not to exceed 10 times annual salary
Family Voluntary
Personal Accident
  • Spouse/Domestic Partner – see benefit summary for details
  • Child (each) – see benefit summary for details


Plan includes Travel Assistance, Day Care benefits, Emergency Evacuation, Repatriation of Remains and a Seat Belt benefit.  

4- VOLUNTARY ACCIDENT

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
  • 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 $150 for completing a screening as well as additional Wellness amounts for your spouse and child(ren).

To file an Accident or Wellness claim, click here.

5- VOLUNTARY CRITICAL ILLNESS

Critical Illness Insurance is an affordable way to protect against the financial stress of a serious illness. It pays a lump-sum benefit if you are diagnosed with a covered illness or condition. This policy is in addition to your health coverage. You may use this benefit to pay:

•       Medical expenses

•       Child care

•       Home health costs

•       Mortgage payment/rent and home maintenance


Employee Voluntary
Critical Illness 		Can elect from $5,000 to $30,000 in $5,000 increments. Guaranteed issue amount is $30,000.
Spouse Voluntary
Critical Illness 		Can elect from $5,000 to $15,000 in $5,000 increments. Guaranteed issue amount is $15,000.
Child Voluntary
Critical Illness 		Can elect $5,000 or $10,000. Guaranteed issue amount is $10,000.


Child Bear

This policy offers an annual Wellness benefit that provides a $200 reimbursement for covered health screenings. Coverage is provided by Voya Financial. 

How to claim

To File a Critical Care or Wellness claim, click here.

6- Grandfathered Plan - Voluntary Critical Illness Insurance

(this plan is closed to any new enrollment or changes) County Employees Only
VOYA Grandfathered Critical Illness Plan Booklet

How to File an Insurance Claim

Voya Beneficiary Designation Form

Voya Importance of Naming a Beneficiary


Beneficiaries:

BENEFICIARY REMINDER  

Beneficiary means a person you name to receive death benefits. You may name one or more beneficiaries. Make sure that you  have named a beneficiary for your basic life insurance. You may change your beneficiary at any time. Note that some states require a spouse be named as a beneficiary unless they sign a  waiver. Remember that a divorce or separation will not automatically affect a beneficiary designation, so please review  you beneficiary election(s) to ensure it accurately reflects your wishes.

How do I Update my beneficiary?

Log into BenXcel, from your dashboard go to Quick Links and select Manage Beneficiaries:

Beneficiary1


Depending on the plan, you may be able to assign more than one beneficiary as long as it adds up to 100%. You will be able to choose a beneficiary from your saved dependents or create a new beneficiary.

Beneficiary2


Value Added Services
Voya Employee Benefits makes it easy to improve employee's lives with a variety of value-added services:

  • Funeral Planning, Will Prep, and Concierge Services
  • Employee Assistance Program (EAP)
  • Voya Travel Assistance
  • Voya Cares  


Group Name: PRISM
Group Number: 316407

Funeral Planning, Will Prep, and Concierge Services
Employees receive help making decisions about all funeral related issues and then have those plans put into action with services provided by Everest Funeral Concierge, an independent consumer advocate. Includes access to Will Prep, an online tool that allows users to create a variety of customized end-of-life legal documents.

Visit Funeral Planning and Will Prep Services Online

Toll Free: 800-913-8318

Starting January 1, 2021, you will be covered for eligible Will preparation services provided by Everest Funeral Concierge at no additional cost.

With Will Prep, you'll have online access to the tools you'll need to create:

- Wills
- Health Care Directives
- Power of Attorney
- Elder Care Agreements
- HIPAA Authorizations
- plus more

Will Prep is an online tool that will help you create specialized legal documents. Based on your response to a series of questions, the system tailors the required clauses to create a document suitable for your circumstances. The finished document is saved for easy access so changes can be made whenever you'd like.

A Will can be a valuable piece of financial planning for the future. Will Prep is just one more way Voya Employee Benefits has you covered. Starting on 1/1/21, you'll be able to access Will Prep services by logging in or creating a new account at everestfuneral.com/voya and clicking on the Will Prep tab to get started.

Employee Assistance Program (EAP)
This fully integrated plan can help individuals improve emotional well-being and address personal, family and life issues. Key features include 24/7 services via toll-free telephone number or email and Master-level clinicians.

If you have questions or need immediate assistance, please call 877-533-2363 (TTY: 800-697-0353).

Visit Employee Assistance Program Online

Web ID: My5848i

Travel Assistance
Being in an unfamiliar place can be stressful, especially if something goes wrong. Voya Travel Assistance offers you and your dependents four types of services when you're more than 100 miles from home, including pre-trip information, emergency personal and transportation services, and medical assistance.

Visit Travel Assist Online

In the US, Toll Free: 800‑859‑2821
Worldwide, Collect: 202‑296‑8355

Voya Cares
Voya is committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through its Voya Cares® program

Visit Voya Cares Online