Today's Choice for Tomorrow's Future

Life and Disability

Life Insurance - AD&D Insurance - Disability Plans


Lake County School District provides life insurance and accidental death and dismemberment (AD&D) coverage in the amount of your salary up to $250,000 at no cost to you through SunLife. Make sure you designate a beneficiary who will receive your life insurance payment if you pass away while covered under this policy.
 

To be eligible for insurance, a person must be a member of an Eligible Class. The person must also complete a period of continuous service (Service Requirement) with the policyholder.

Eligible Class: Each full-time employee of the policyholder or an associated company, who is at active work , and who is working in the United States of America, as identified on the policyholder’s or our records, except any temporary or seasonal worker.

Note: See plan document for age reduction schedule.

 Life Insurance Supplemental

To supplement the life insurance coverage provided by Lake County School Board, you have the option to purchase additional term life insurance for

  • Yourself
  • Spouse
  • Child(ren) up to age 25

Your cost depends on your age and coverage level. Rates are reflected in your benefit enrollment system. You may also add accidental death and dismemberment (AD&D) coverage equal to your life insurance amount at enrollment for a small additional cost. You must cover yourself to purchase coverage for your dependents.

Evidence of Insurability may be required

Resources

Premiums Tables

Beneficiary Forms

Beneficiaries may be updated via the Explain My Benefits Platform. 

If you require assistance, please contact your Benefits Specialist at 352-253-6660 or email benefits@lake.k12.fl.us

Evidence of Insurability (EOI)

Medical Question Limit
As a newly eligible employee (if you have never worked for Lake County Schools before), you may elect up to the medical question limit with no medical questions required. Medical questions and approval by SunLife are required for:
• Initial requests to purchase coverage over the medical question limit
• Future requests to purchase this coverage after your initial opportunity
• Increase requests either:
• in excess of the Annual Enrollment Increase amount, or
• when the Annual Enrollment increase opportunity would result in your coverage exceeding $150,000

If your Life Insurance election requires medical questions, your coverage will be effective and paycheck deductions will begin when approval is received from SunLife. Employees who are not active-at-work and have requested an increase to life insurance during open enrollment may have a delayed effective date. Please Note: If your request is approved, the effective date of coverage will take affect once you return to active work (September 1).

Plan Documents

Claim Forms

 Accidental Death & Dismemberment

AD&D (Accidental Death & Dismemberment) insurance, is for the same amount as the life insurance policy it's attached to.

AD&D coverage can pay a benefit in one of two ways:

  1. If your death is caused due to an accident, the AD&D benefit pays in addition to your life insurance. This is sometimes called a “double indemnity” because your beneficiary receives both the life insurance amount and the AD&D amount.
  2. If, as the result of an accident, you either lose a covered body part (such as a limb) or lose the function of a covered body part, you may receive a percentage of the total AD&D benefit depending on the functions that have been lost.

Disability Plan Options

Disability Insurance Matters.  How long can you pay the bills without an income? A few weeks? Maybe a month? What happens if you get sick or pregnant or have an accident and can’t work? How will the rent or mortgage get paid? 

Disability happens.  

Do you have a rainy day fund? More than half of Americans have less than $1,000 in savings. What would you do if your income stopped because you couldn’t work?

Our disability insurance options through SunLife are designed to fill the financial gap that happens when you are unable to work. Your cost for coverage will be available at enrollment.

Disability Plan Options

Option 1

Benefits Begin: After 14 days of disability

How long benefits are paid: Injury: Up to 5 years Sickness: Up to 2 years

Monthly Benefit: Choose between $300 and $7,500 per month in $100 increments. Maximum is 66 2/3 of monthly income. 

Medical Question Limit (EOI): $5,000

Annual Increase: One benefit level($100 per month) within the same plan.

 

Option 2

Benefits Begin: After 60 days of disability

How long benefits are paid: Injury: Up to 5 years Sickness: Up to 2 years

Monthly Benefit: Choose between $300 and $7,500 per month in $100 increments. Maximum is 66 2/3 of monthly income. 

Medical Question Limit (EOI): $5,000

Annual Increase: One benefit level($100 per month) within the same plan.

Option 3

Benefits Begin: After 14 days of disability

How long benefits are paid: Up to Social Security Normal Retirement Age

Monthly Benefit: Choose between $300 and $7,500 per month in $100 increments. Maximum is 66 2/3 of monthly income. 

Medical Question Limit (EOI): $5,000

Annual Increase: One benefit level($100 per month) within the same plan.

Option 4

Benefits Begin: After 60 days of disability

How long benefits are paid: Up to Social Security Normal Retirement Age

Monthly Benefit: Choose between $300 and $7,500 per month in $100 increments. Maximum is 66 2/3 of monthly income. 

Medical Question Limit (EOI): $5,000

Annual Increase: One benefit level($100 per month) within the same plan.

Evidence Of Insurability EOI