Life & Disability Benefits
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.
Call 1 (888) 842-4462 or 1 (866) 562-8421 for Spanish speakers. Representatives are available from Monday to Friday, between 8:00 am and 8:00 pm Eastern Time. This line can connect you to intake or directly to your claim manager if you already have an open claim.
Visit www.NewYorkLife.com.
Group #FLX970944, Basic & Voluntary Life Group #OK972308, Basic AD&D Group #VDT963835, Voluntary STD Group #LK967211, Long-Term Disability
Watch these videos to learn more about your Life Insurance
Basic Life and AD&D Highlights
Plan Funding
100% employer paid
Employee Benefit
1x annual salary with a minimum of $75,000, up to a maximum of $350,000
Eligible Spouse Benefit
If dependent on health policy
$5,000
Eligible Child(ren) Benefit
If dependent on health policy
$2,000
Additional Resources
Voluntary Life Highlights
Plan Funding
100% employee paid
Employee Coverage
Election Increments: $10,000, up to $500,000
Guarantee Issue: $300,000
Spouse Coverage
Election Increments: $5,000, up to $150,000
Guarantee Issue: $25,000
Child(ren) Coverage
Election Increments: $2,000, up to $10,000
Guarantee Issue: $10,000
Additional Resources
LIFE AND AD&D FREQUENTLY ASKED QUESTIONS
My spouse also works for St. Johns County. Can we both buy coverage?
You may both purchase supplemental employee coverage. However, an employee can only be insured as an employee or a dependent, but not both. Additionally, employees and spouses who both work for St. Johns County may not cover the same dependent child(ren).
Does the coverage amount change based on my age?
The amount of coverage will reduce to 65% at age 65, to 50% at age 70 and to 35% at age 75.
Do I have to fill out a medical questionnaire?
Initial elections in excess of the guarantee issue amounts and late enrollees must complete Evidence of Insurability (EOI). You will be directed to go to the New York Life website to complete the medical questions online.
Can I continue this coverage if my employment ends?
If your employment ends, you may elect to convert your term life insurance to whole life insurance or simply take your term life insurance policy with you. You must contact New York Life within 31 days of your last day at work in order to be eligible for either of these options.
If you should become terminally ill with 12 months or less to live, you can apply to receive up to 75% of your current life insurance amount as a one-time lump sum. Any amount received will then reduce the amount of death benefit paid out.
Watch this video to learn more about
Disability Insurance
Long-Term Disability Highlights
Elimination Period
180 days
Benefits Payable Duration
2 years (own occupation) or to Social Security Normal Retirement Age (SSNRA)
% of Income Replaced
60% of your monthly pre-disability salary
Maximum Benefit Amount
$5,000 monthly benefit less any other income benefit
Additional Resources
Voluntary Short-Term Disability Highlights
Plan Funding
100% employee paid
Waiting Period
14 days, benefits begin on the 15th day
Maximum Benefit Duration
24 weeks
% of Income Replaced
60% of your weekly earnings
Maximum Benefit Amount
Up to $1,000 per week
Pregnancy Coverage
Up to 6 weeks, or up to 8 weeks for a C-section, including waiting period