Life & Disability
We encourage employees to take care of themselves and their loved ones – now and in the future. At times, unfortunate events such as an unexpected death or injury can take a toll on our employees and their families. We help employees through these tough times by providing the additional benefits listed below.
Rates for Voluntary Life and AD&D Insurance will be calculated while enrolling in BenefitFocus.
If you choose to enroll in medical and are paying the premium for your disability insurance, premiums will be calculated in BenefitFocus.
Contact the provider of these benefits by calling this phone number or visiting this website:
Life Group # SA3-850-291123-01
Disability Group # GD/GF3-850-291123-01
Company Code: CCSCHOOLS
Phone: 800-423-2765
Website: www.mylincolnportal.com
Life and AD&D Plan Insurance
Administered by Lincoln Financial
Life Insurance and Accidental Death & Dismemberment
Plan Funding
100% Company-paid
Benefit Amount (Enrolled in Medical)
$20,000
Benefit Amount (Not Enrolled in Medical)
$50,000
Age Reduction Schedule
65% of original amount at age 65 and coverage terminates at age 70
Can I continue this coverage if my employment ends?
Coverage may be continued through Portability or Conversion if certain criteria is met. If you would like to continue coverage after your employment ends with us, please reach out to Lincoln Financial at 877-321-1015 to receive a quote.
Voluntary Life and AD&D Insurance
Administered by Lincoln Financial
Plan Funding
100% Employee-paid
Age Reduction Schedule
50% of Original Amount at age 70
Employee Benefit
Benefit Amount1
Increments of $10,000 up to a maximum of $200,000
Guaranteed Issue3:
$100,000
Spouse Benefit
Benefit Amount1,2
50% of employee's amount
Guaranteed Issue3:
Enrolled in Medical: $10,000
Decline Medical Coverage: $25,000
Child(ren) Benefit
Benefit Amount1
25% of employee's amount
Guaranteed Issue3:
Enrolled in Medical: $5,000
Decline Medical Coverage: $10,000
- Coverage is only available to the spouse and dependent child(ren) if the employee elects coverage.
- Spouse’s rate is based on the employee's age.
- Guaranteed Issue is only available when employees are initially eligible to enroll in benefits: as a new hire, or as an employee who is newly eligible to enroll (i.e. switching from a role that is not benefits eligible, to a role that is benefit eligible). If you waive coverage during your initial enrollment, you are not eligible for the Guaranteed Issue amount at Open Enrollment or during a Qualifying Life Event.
Disability
We offer Short-Term Disability (STD) and Long-Term Disability (LTD). These disability coverages work in conjunction with one another to provide continuous income replacement in the event of a sudden income loss. If you choose to enroll in medical and are paying the premium for your disability insurance, premiums will be calculated in BenefitFocus.
Disability Insurance
Administered by Lincoln Financial
Plan Funding
Enrolled in Medical: 100% Employee-paid1
Decline Medical Coverage: 100% Company-paid
Short-Term Disability
Coverage Amount2
60% of your weekly earnings
Maximum Weekly Benefit
$500
Coverage Begins (Accident / Sickness)
15th day consecutive day
Maximum Duration
153 days
Long-Term Disability
Coverage Amount2
60% of your monthly earnings
Maximum Monthly Benefit
$3,000
Coverage Begins
After 180 days
Maximum Duration
Benefits continue until the earlier of when your disability ends, age 65 or your Social Security Normal Retirement Age. If you’re age 60 or older when your covered disability begins, your benefits duration may differ.
- When enrolled in medical, your Disability premiums are deducted from your paycheck on a post-tax basis. That way, any LTD benefit payments you may receive will not be subject to federal withholding tax. Go to Benefitfocus to calculate your LTD cost per pay period before you decide to enroll.
- Coverage amount is based on weekly pre-disability earnings.
Do I have to complete an Evidence of Insurability (EOI) for Short and Long-Term Disability?
An EOI questionnaire is only required if you previously waived this coverage and are now electing to enroll. An electronic form is available on the CCDS Employee Portal under Benefits or contact the Insurance Department. If the fillable form does not automatically open, press the Adobe button above it.
Are disabilities due to pre-existing conditions covered?
You may not be eligible for disability benefits if you received treatment for a condition within the past three months until you have been covered under the disability plan for 12 months