Benefit Options
Employees have two medical plans for calendar year 2012 - the Aetna Health Fund (AHF) and the Choice POS II medical plan. The following tools can help you decide which plan is best for you and your family.

• 2012 Open Enrollment / Employee Incentive Booklet
• 2012 Open Enrollment Retiree Booklet
• 2012 Benefit Rates
• 2012 Medical Plan Side by Side Comparison
• Plan Cost Estimator
• Instructions and examples
• Open Enrollment Frequently Asked Questions

• Notice of CHIP Premium Assistance Program

• 2012 PPO Dental plan
  • Deductible/co-insurance
  • Members can use any dentist
• 2012 S700
  • No deductible/copay
  • Members must use in-network dentists

• 2012 Vision Plan
• Advantica Vision Care Plan
• Optional, employee paid plan
• Aetna Vision Discount Program
  • Aetna POSII and AHF medical plans

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Prescription Plan

• Network pharmacy
• Out of network pharmacy
• Home delivery

The Family and Medical Leave Act (FMLA) of 1993 provides up to 12 weeks, in any 12 months, of unpaid, job-protected leave for birth or care for newborn of the employee, serious health condition, adoption and more.

• Group Cancer Insurance
• Enrollment Form
• Cancer Claim Form

To enroll or ask questions please contact Explain My Benefits at 1-888-734-6937.

Identity Theft coverage will be offered through InfoArmor. Coverage includes $25,000 identity fraud reimbursement policy. Coverage is only $3.67 per pay for employee. Family coverage is $6.44 per pay.

To enroll or ask questions please contact Explain My Benefits at 1-888-734-6937.

Group Term Life Insurance
The policy pays a designated beneficiary (or beneficiaries) a fixed sum of cash in the event of a covered employee’s death. This insurance is purchased on a year-by-year basis and accumulates no cash value. The Group Term Life Insurance program also includes a special Accidental Death and Dismemberment provision, which doubles the amount of basic benefit if the death is the result of an accident or the payment if dismemberment occurs.

For eligible employees, the County will pay for an amount equal to one times the annual salary, rounded up to the next $1,000. For At-Will (Management) employees, the County will pay for an amount equal to two times the annual salary, rounded up to the next $1,000. The minimum benefit is $10,000. Coverage becomes effective 30 days following the date of hire.

Optional Coverage
Additional coverage equal to one or two times your annual salary can be purchased. If optional coverage exceeds $50,000 as a new hire or if coverage is increased during open enrollment, an Evidence of Insurability form must be completed. These forms are available below. The optional coverage will not go into effect until the insurance carrier approves the application.

The first $50,000 of coverage (including Core and optional coverage) can be paid with pretax deductions. If total coverage exceeds $50,000 (core and optional), the participant is subject to additional taxes.

• SunLife Evidence of Insurability (EOI) website Group Number is 28759

• Employee Policy

• Term life insurance worth the employee's salary is county paid. Up to double the employee's salary is available through Sun Life of Canada. Sun Life also offers dependent life insurance.

Allstate Flexible Premium Universal Life (Cash Value)

This Allstate  Group Universal Life Policy provides great flexibility  of life insurance benefits and growth of cash values. It is available for employees on a guaranteed issue basis. The plan builds cash values at a current interest rate of 5.25% (Guaranteed not to go below 4%) and is portable upon retirement or separation of service. This coverage is employee-paid and is available via after-tax payroll deduction. Consult the product brochure for details.

• Group Universal Insurance 

• Enrollment Form  

To enroll or ask questions, contact Explain My Benefits at 1-888-734-6937.

Allstate Group Accident Plan

Accidents most frequently happen in places where we spend the most time – in the home or during sports or leisure activities. Approximately 22 percent of injury visits to hospital emergency rooms or urgent care clinics are the result of a sports-related activity for persons between the ages of 5 and 24. Our medical insurance plans provide coverage for related expenses but require co-payments, deductibles and co-insurance. The Allstate Group accident plan provides  over 30 different benefits should you or a covered family member have an accidental injury and require medical care.  The plan pays in addition to any medical plan coverage for injuries such as dislocations and fractures, as well as reimbursements for follow-up care ,  hospital admissions and surgical care. This coverage is employee-paid and is available via pre-tax payroll deduction. Consult the policy brochure for details.

• Group Accident Insurance  

• Enrollment Form

To enroll or ask questions please contact Explain My Benefits at 1-888-734-6937.