Group Policy No. 758938
Group Basic Life and Accidental Death and Dismemberment (BLADD) Insurance
Your employer provides you with a basic level of coverage. Will that be enough for you? Think about your ongoing expenses and how much income is needed in order for your loved ones to maintain their lifestyle in the event of your death. Basic Accidental Death and Dismemberment (AD&D) insurance may provide an additional amount due to dismemberment as a result of an accident.
Additional Life and Accidental Death and Dismemberment (ALADD) Insurance
If Basic Life insurance doesn't cover your existing financial obligation, Additional Life insurance may help to bridge that gap. Plan now to help your family cover expenses like tuition, childcare, housing and daily living expenses.
- For the Employee - Active employees can elect up to 5x annual earnings, not to exceed $500,000. The Guarantee Issue amount is the lesser of 3x salary or $300,000. You may also elect a matching amount of AD&D coverage.
- For your Spouse - Coverage is available in increments of $5,000 up to $250,000, not to exceed 50% of your Additional Life amount. The Guarantee Issue amount is $50,000.
- For your Child – The Child Life insurance amount is $10,000, not to exceed 100% of your Basic Life amount. Coverage is from live birth through age 30. EOI is never required for Child Life insurance.
Short Term Disability (STD) Insurance
STD coverage replaces 66 2/3 percent of your weekly income when you can’t work because of a qualifying disability, including injury, physical disease, pregnancy or mental disorder. Employees can choose from two different elimination periods:
- Plan A: 30 day elimination period and 22 week maximum duration
- Plan B: 15 day elimination period and 24 week maximum duration
Long Term Disability (LTD) Insurance
LTD coverage replaces 66 2/3 percent of your monthly income for qualifying disabilities, whether you are out for a few months or years. LTD can also help you get back to work when you’re ready.
- 180-day elimination period and a benefit duration to age 67 or other duration based on age at time of disability.
The School Board of Volusia County, Florida makes it easy to increase or apply for coverage!
Visit the Decision Support Tool (DST) for additional information.
The Decision Support Tool (DST) is an interactive tool that includes plan specific benefit summaries, short educational videos and interactive calculators to assist you in making decisions about your supplemental coverage and lets you take action linking directly to your online enrollment system.
For additional assistance with your life and disability benefits, please contact your dedicated Standard Insurance Company service team.
- Phone: 800.325.5757, Menu Option 2 for Service, then 1 for Christine D’Angelo
- Christine D'Angelo, National Accounts Consultant – 813.878.0283 direct line
- Karen Green, National Accounts Specialist – 971.321.2049 direct line
- Email: vcsblifeanddi@standard.com
To learn more about the following coverage available to you, visit the education materials below.
If coverage becomes effective, and you become insured, you may receive a group insurance certificate containing a detailed description of the insurance coverage including the definitions, exclusions, limitations, reductions and terminating events. The controlling provisions will be in the group policy.
| Benefit Enrollment Guides |
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| FAQs |
| Evidence of Insurability |
| Beneficiary Designations |
| Services |
| Retirees |
| File a Disability Claim |
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By Telephone To file a disability claim by telephone, contact The Standard's Claim Intake Service Center at 833.960.1233. Online You can create a new account or log in to an existing account to file a claim. File By Mail or Fax You may also complete and mail your disability claim forms. Common Questions |
