A A A 

SUPERIOR COURT: INSURANCE

Life Insurance provides basic protection for your loved ones if something happens to you. While many U.S. households have life insurance, the average amount of coverage is often inadequate to meet family needs or pay off debt. Taking advantage of life insurance coverage provided by the Court can be an important part of your financial security.

 

LIFE INSURANCE

BASIC LIFE INSURANCE PLAN

Life insurance is an important part of your comprehensive benefits package – for peace of mind and the financial protection for you and your family in the event of death or a serious accident.  All regular employees are enrolled in the Basic Life Insurance Program through VOYA (formerly ING) at no cost to you.

  • Enrollment at a Glance  
  • A benefit that helps cover the unexpected, sudden costs associated with a death.
  • This Basic Life Insurance Coverage is provided by the Santa Barbara County Superior Court at no cost to employees.
  • This program is underwritten by ReliaStar Life Insurance Company
  • How to File a Claim

 

SUPPLEMENTAL LIFE INSURANCE & ACCIDENTAL DEATH & DISMEMBERMENT

All regular employees may enroll in Supplemental Life Insurance through VOYA. Premiums are determined by your age and will be withheld from your paycheck.
For any amount elected after your initial eligibility period (31 days), you must provide Evidence of Insurability (EOI) and be approved for the amount elected.

Class

Amount of Supplemental Life Insurance*

Amount of Supplemental
AD&D Insurance*

Eligible Employees

Can elect from $20,000 to $500,000 in $10,000 increments

$10,000**

Spouse or Domestic Partner

Can elect from $20,000 to $500,000 in $10,000 increments not to exceed 100% of Employee's Supplemental Life Insurance amount

Employee must have coverage.

Child

Can elect $5,000 or $10,000

From birth to age 19 or full-time student under 26 years of age.

From 6 months until age 26. Child under 6 months covered for $1000. Employee must have coverage.

* Your amount of Supplemental Life and AD&D will decrease to 65% on your 65th birthday, to 50% of original coverage amount at age 70 and to 30% of the original coverage at age 75.

** A $10,000 AD&D policy is included with the Employee's Supplemental Life insurance policy for a minimal fee.

Supplemental Rates

 

OTHER VOLUNTARY INSURANCE

CRITICAL ILLNESS INSURANCE

Compass Critical Illness Insurance through VOYA Financial is a limited benefit policy and is not health insurance. This policy pays a benefit on top of any health insurance benefits you currently receive. Critical illness insurance pays you a lump sum benefit upon diagnosis of a covered illness such as cancer, heart attack or stroke. Payments are made directly to you to cover copays and deductibles, at-home care or even you monthly bills. This policy also offers a Wellness Benefit, which provides a $150 reimbursement for covered health screenings. The Wellness Benefit Rider is designed to encourage you to protect your health and well being by offering you the comfort of knowing that your Premier Critical Illness Insurance Policy can help with the costs of important medical and health screening tests.

 

COMPASS ACCIDENT INSURANCE

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, as well as for 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 $100 for completing a screening, an additional $100 to covered spouse and $50 for a child.

Learn more here:

Covered members may submit the same wellness claim for reimbursement in both plans.

Hospital Confinement Indemnity Plan

The Superior Court is introducing the Compass Hospital Confinement Indemnity Plan for the 2020 plan year.  The plan pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility.  This voluntary benefit is separate from your Blue Shield hospital benefit  This new Voya plan will pay you a lump sum which you can use to help offset copays, coinsurance, deductibles that you incur for a hospital admission or you can use it to pay bills, rent or buy groceries.

The plan also has a Wellness benefit that provides an annual amount if you complete a health screening test.  For employees, the annual benefit amount is $50 for completing a health screening test.  Your spouse's benefit amount is $50. The benefit for child coverage is 50% of your benefit amount per child with an annual maximum of $100 for all children.

 

PERSONAL ACCIDENT INSURANCE (PAI)

  • Enrollment at a Glance
  • Rates:
    • $.04 per month per $1,000 of employee only PAI coverage      (EX:  200,000X.04)/1000=$8.00/mo
    • $.056 per month per $1,000 of Employee and Family PAI coverage (EX: 200,000x.056)/1000=$11.20/mo

All regular employees may enroll in voluntary Personal Accident Insurance (PAI) through VOYA. Premiums are based on a flat rate per $1,000 and will be withheld from your paycheck. Coverage can be elected for Employee only or Family (Spouse/Domestic Partner and Child). Evidence of Insurability (EOI) is not required for PAI.

Personal Accident Insurance provides additional protection for your loved ones in the event you are killed or severely injured in a covered accident.  PAI can help you or your family deal with the expenses and financial obligations that arise in the wake of a serious accident.

For you

  • Coverage amounts from $25,000 to $300,000 in $25,000 increments not to exceed 10 times your annual salary.
  • Benefit amounts reduce to 65% of original coverage at age 65, to 50% of original coverage at age 70, and to 30% of original coverage at age 75.
  • Benefit ceases at retirement.

For your family

  • Spouse/Domestic Partner - coverage amount equal to 50% of employee coverage.
  • Child coverage is 10% of your benefit amount on your children from birth to age 26.
  • Personal accident insurance rates

 

BASIC LTD (LONG TERM DISABILITY) INSURANCE PLAN

All regular employees working over 20 hours per week are enrolled in Long Term Disability Insurance through VOYA.  This benefit is paid for by the Court on your behalf.  The monthly benefit percentage is 60% of monthly earnings.  The minimum monthly benefit is $100 with maximum monthly benefits of $9,000.  You must be disabled for 60 days before you can begin receiving LTD benefits.

 

TRAVEL ASSISTANCE PROGRAM

When traveling more than 100 miles from your home, this program offers you and your dependents four types of services:  Pre-Trip Information, Emergency Personal Services, Medical Assistance Services and Emergency Transportation Services. For 24 hour assistance call 800.859.2821 or go online https://eservices.europassistance-usa.com/sites/voya

 

FUNERAL PLANNING, Will Prep and Concierge Services

These services are provided by Everest Funeral include online tools, 24 hour access to advisors, and concierge services at or near time of death.  For more information call 1-800-913-8318.

 

CONTACT HUMAN RESOURCES:

Superior Court Figueroa Division 
Human Resources 
118 East Figueroa Street 
Santa Barbara, CA 93101 

Superior Court Cook Division 
Human Resources 
Santa Maria Office
312 E. Cook St. Bldg. E.
2nd Floor Rm. 242
Santa Maria, CA 93454

Phone: (805) 882-4739 
Emailhr@sbcourts.org

 
© Superior Court of the County of Santa Barbara