Employees with the exception of those who are a part of the AFSCME union receive $30,000 (starting in 2024) worth of life insurance for free. There is an option to elect Supplemental Life if you want more life insurance. Employees have a choice of $10,000 increments up to a maximum of $500,000. Basic and supplemental life insurance amounts over $50,000 is subject to imputed income/excess life. If you have questions please contact your tax advisor.

Basic Group Term Life Insurance

Any life insurance amount over 50k is subject to imputed income/excess life/ If you have questions please contact your tax advisor. Cuyahoga County provides Basic Group Term Life Insurance to each eligible full-time employee unless other benefits are provided through your union contract. If eligible for Group Term Insurance, you are also eligible for Accidental Death & Dismemberment (AD&D) Insurance. The benefit amount varies based on type of death or the type of disability.

Supplemental Group Term Life Insurance

Cuyahoga County offers you the opportunity to purchase Supplemental Group Term Life Insurance. The cost is based on your age and amount of coverage selected. Employees have a choice to select coverage in $10,000 increments up to a $500,000 maximum. A benefit reduction schedule applies if you are 70 or older. The Guaranteed issue amount is $500,000 for employees less than 65; and $20,000 for employees who are 65-69. If you are 70 or older, Evidence of Insurability (EOI) is needed for all amounts. In some cases, you may be required to provide Evidence of Insurability (EOI) or certain Supplemental Life Insurance coverage amounts. EOI is an application process in which you provide information on the condition of your health or your dependent’s health to obtain certain types of insurance coverage.

Through MedMutual Life, you have access to Will Maker from New Directions. This is a will preparation service that offers a range of services to help you communicate how you want to provide for your loved ones. These services include living trusts for married or single persons, identity theft affidavits, library of information and much more. To get started, go to NDWillPrep.com and enter your login code: MML. Register and create your will today.

Accidental Death & Dismemberment Insurance

Cuyahoga County provides this coverage at no cost (or a nominal cost) to you. If you become disabled or die due to an accident, a benefit will be paid to you or your beneficiary. The benefit amount varies based on death or the type of disability.

Dependent Life Insurance

Cuyahoga County provides $1,000 as a death benefit for a spouse and $500 for any eligible unmarried dependent(s) up to age 26, unless other benefits are provided through your union contract.

Reminder:

You can change your beneficiaries by printing and completing a MedMutual Life Beneficiary Designation form and returning it to Cuyahoga County HR Employee Benefits. If you need to view your current beneficiaries, you can view them in Infor.

Optional Benefits

Cuyahoga County has partnered with Lincoln Financial and Trustmark Solutions to offer eligible employees the opportunity to enroll in several insurance benefits on a voluntary basis. Accident insurance, Critical Illness insurance, Short Term Disability & Long Term Disability insurance will be offered through Lincoln Financial. Universal Life insurance will be offered through Trustmark Solutions. Eligible employees pay via payroll deduction on an “after-tax” basis.