- Estimate Your Insurance Needs
- Life, LTD & Accident Insurance Enrollment Form
- Beneficiary Designation Form
- Request for Change Form
- Basic Life Insurance Plan
- Supplemental Life Insurance
- Accidental Death & Dismemberment
- Long Term Disability Plan
- ING Travel Insurance
- ING Funeral Planning
- This program is underwritten by ReliaStar Life Insurance Company
- Estimate your disability income needs
Why is Disability Insurance important?
Disability can be the single most catastrophic event in a person's life, clouding the future with confusion and uncertainty.
A long term disability raises questions such as:
- How will I make my house payments?
- How will I pay my other bills?
- Will I have money to pay for my child's college tuition?
PLAN SPECIFICS:Gross Monthly Benefit
|CLASS||AMOUNT OF COVERAGE|
Department Heads, Assistant Department Heads, Middle Managers, Confidential and Unrepresented Units
The lesser of 60% of your Basic Monthly Earnings or $9,000, minus Other Income.
Active full-time employees in regular classified positions represented by SEIU Local 620 and CFI-TNG/CWA
The lesser of 60% of your Basic Monthly Earnings or $3,600, minus Other Income.
(A divided by B) times C, minus Other Income.
A = your indexed
Basic Monthly Earnings minus your current monthly earnings.
"Other Income", as stated elsewhere, does not include -
Note: During the first 12 months of Monthly Income Benefits, your Monthly Income Benefit will not be reduced by any current monthly employment earnings until the gross monthly benefit plus your current monthly employment earnings exceed 100% of your pre-disability Basic Monthly Earnings. Your Monthly Income Benefit will then be reduced by that excess amount. In no event will your Monthly Income Benefit plus Other Income be greater than your predisability Basic Monthly Earnings.
Basic Monthly Earnings - your monthly salary or wage on the day before the date you became disabled. It does not include bonuses, commissions or overtime pay. For Partial Disability, Basic Monthly Earnings are indexed. To determine indexed Basic Monthly Earnings, your predisability Basic Monthly Earnings are increased by 5% on the one-year anniversary of your first benefit
Survivor Benefit - 3 times the gross monthly benefit, subject to any necessary adjustments
Minimum Monthly Income Benefit - The greater of $100 or 15% of the Gross Monthly Income Benefit
Benefit Waiting Period - 60 days
This plan includes a Disability Waiver of Premium Benefit. If you become totally disabled before age 60 and can not work, the insurance premiums may be waived. You must first satisfy certain conditions.Maximum Benefit Period
|Age at Disability||Maximum Benefit Period|
Less than age 61
to age 65
This is a summary of benefits only. A complete description of benefits and limitations will be provided in the certificate of coverage.
Underwritten by ReliaStar Life Insurance Company
October 20, 2005
CONTACT HUMAN RESOURCES:
Superior Court Figueroa Division
118 East Figueroa Street
Santa Barbara, CA 93101
Superior Court Cook Division
Santa Maria Office
312 E. Cook St. Bldg. E.
2nd Floor Rm. 206
Santa Maria, CA 93454
Phone: (805) 882-4739