What is Life & AD&D Insurance?

Voluntary plans allow the employee to decide whether or not they want to enroll in life insurance and AD&D. The employee typically covers the premium costs for any voluntary coverage they elect. For voluntary plans, employers can typically determine a range of
coverage amounts for their employees to choose from.

Plan Rules:

• Eligibility: All full-time employees working 20+ hours/week, spouse, and children (up to age 26)
• Coverage through OneAmerica
• Must be actively at work on the effective date
• If electing for the first time outside of the initial open enrollment period, health questions will be
• Employee must elect coverage on themselves in order to cover spouse and/or children

The Morgan County Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD).