Johnson County Government provides full-time and part-time benefit eligible employees with term life insurance and accidental death and dismemberment coverage through Standard Insurance Company at no cost to eligible employees.

Eligible Employees: To be eligible for employee coverage under this plan, an employee must be an active, full- or part-time benefits eligible employee working a minimum of 20 hours per week.

When Employee Coverage Starts: Employee coverage under this plan is scheduled to begin on the first of the month following hire or transfer into a benefits eligible position.

When Employee Coverage Ends: Employee coverage under this plan ends on the date an employee’s active, full-time service ends for any reason. Such reasons include disability, death, retirement, lay-off, leave of absence, and the end of employment. It also ends on the date the employee is no longer a full-time, regular employee.The employee may have the right to continue certain group benefits for a limited time and may have the right to replace certain group benefits with converted benefits.

Coverage Amount
Employee Basic Term Life: If you have not reached age 70, your amount of insurance is 50% of annual pay, subject to a maximum amount of insurance of $150,000. The amount of insurance will be rounded to the next higher multiple of $1,000, if not already an exact multiple. See the provider handbook for complete details.

Employee Accidental Death and Dismemberment: The maximum amount of accidental death and dismemberment insurance is equal to the amount of life insurance in effect at the time of the loss. See the provider handbook for complete details.

If an employee is less than age 70 when his/her insurance under this plan starts, the employee’s insurance amount is reduced on his/her 70th birthday by 50% of the amount which otherwise applies to his/her annual earnings. In no case will such reduced amount be less than $l,000. Contact OFM-Benefits if a claim is payable under the County provided life insurance plan.

The preceding reduction also applies to an employee’s initial insurance amount if his/her insurance starts:

> on the plan effective date; and
> after he reaches age 70.

If an employee’s insurance under this plan starts:

> after this plan’s effective date; and
> after the employee reaches age 70;

the employee’s insurance amount is reduced to $1,000. This reduced amount is in place of the amount which otherwise applies to the employee’s annual earnings.

If an employee’s insurance continues during disability (whether or not under the extended life benefit provisions of this plan), or during a leave of absence or temporary lay-off, the insurance amount is the amount the employee was insured for on the last day of active work. This insurance amount is still subject to any age limitation described above.

The amount of an employee’s insurance shall be re-determined as of each change in earnings, provided the employee is actively at work full-time at that date. Otherwise, such insurance shall be re-determined on the date the employee returns to active work full-time. Any employee whose benefits were previously reduced because of an age limitation will be retained at the reduced benefit.

Earnings, with respect to life coverage, mean an employee’s earnings exclusive of bonus, overtime pay, or other special forms of remuneration. In the case of weekly earnings, it refers only to those earnings for a normal workweek not exceeding forty hours.

Any increase or decrease in the amount of insurance on any individual shall become effective on the effective date of a change in the employee’s annual earnings except that any increase in the amount of insurance on an employee eligible for benefits under an established benefit period shall become effective, in the case of an employee not actively at work, on the day the employee returns to active work on a full-time basis (or the day on which the employee’s benefit period terminates, whichever is later).

In no event shall the insurance of an employee who is not actively at work on a full-time basis be increased or decreased prior to the date such employee returns to active work on a full-time basis.

Certificate / Summary Plan Document for Basic & Voluntary Life
Amendment 5
Amendment 6
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COUNTY-PROVIDED GROUP TERM LIFE INSURANCE