Voluntary Benefits
Voluntary benefits insurance can help protect you from significant or unexpected out-of-pocket expenses. Consider your anticipated medical needs along with the cost of the insurance plans available to you. Keep in mind, these plans are intended to supplement, not replace, a medical plan.
Voluntary Life Plan
Administered by Voya
Life Insurance and Accidental Death & Dismemberment
Voluntary Coverage1
Plan Funding
Employee-funded
Benefit Amount
$10,000 - $1,000,000 in $10,000 increments, not to exceed 4 x basic annual earnings
Guarantee Issue
$30,000 if you already have at least $10,000 in supplemental life insurance (open enrollment)
3x annual salary not to exceed $250,000 (new hire)
If you exceed the GI amount, or are applying for the first time at OE, you will need EOI. Spouse guarantee issue is only during new hire enrollment up to $50,000. Any spousal increase during OE is subject to EOI.
Age Reduction
at age 70, amounts reduce to 67%; age 75, amounts reduce to 50%
Dependent Coverage2,3
Plan Funding
Employee-funded
Benefit Amount
Spouse: Amount between $5,000 and $150,000 in $5,000 increments
Dependent child(ren): $10,000
Benefit Maximum
Up to 50% of employee coverage
Spouse: Not exceeding $150,000 Dependent child(ren): $10,000
Guarantee Issue
Spouse: $50,000
Dependent child(ren): $10,000
- If you currently have voluntary life, you will need to fill out an Evidence of Insurability (EOI) for increasing your amount greater than $30,000 and it will be subject to approval from Voya Financial. If you do not currently have voluntary life, you will need to fill out an EOI form. Your life insurance benefits are subject to age reductions.
- You will need to fill out an EOI for your spouse which will be subject to approval from Voya Financial. Spouse Coverage terminates at age 70.
- Dependent child(ren) include birth to age 26, regardless of full-time student status.
Log into BusinessPlus/Employee Online/Menu/Benefits/Benefits Summary/Additional Life Insurance. Complete the Voya Financial Additional Life Enrollment Insurability form to enroll, increase, or decrease your voluntary term life insurance. Submit form to the HR Benefits department by October 31, 2026, NOT VOYA. Once the Benefits Department receives the Life Insurance Enrollment Form, you will be provided the Evidence of Insurability form by Voya. The effective date for Voluntary term life insurance coverage and premiums will be the approval date from Voya Financial.
Contact the provider of these benefits by calling this phone number or visiting this website: (888) 238-4840, voya.com/claims
Group #711543
Voluntary Whole Life Plan
Administered by Mass Mutual
You can't predict the future. But you can prepare for it. Starting right where you work:
Planning for the life you want can be difficult while you're busy managing the life you have. MassMutual@Work makes planning for financial wellness easy with guidance, educational online tools, and financial solutions all available through SJCSD. How's that for a benefit?
You got this. Let's face it, life happens:
If you are looking for a smart way to help achieve multiple financial goals, consider MassMutual@Work Group Whole Life Insurance. It can help you prepare for the unexpected by providing a generally income-tax free death benefit, along with coverage that builds cash value.
Portable coverage:
You own the certificate along with the accumulated cash value and you can take it with you, even if you leave the company.
Built-in guarantees:
- Guaranteed death benefit
- Guaranteed cash value
- Guaranteed level premium
Dividends:
MassMutual@Work Group Whole Life is participating permanent insurance that allows you to be eligible to receive dividends each year, beginning on the certificate's second anniversary. Although they are not guaranteed, MassMutual has paid dividends to eligible participating policy/certificate owners every year since 1869.
Contact the provider of these benefits by calling this phone number or visiting this website: (844) 667-5223, massmutual.com
Group #75081
Learn more about Disability Insurance
Voluntary Disability Plans
Administered by Voya
Short-Term Disability
(Option 1)
Plan Funding
100% Employee-funded
Coverage Amount
60% of your weekly earnings
Maximum Weekly Benefit
$1,000
Coverage Begins (Accident / Sickness)
11th day
Maximum Duration
12 weeks
Short-Term Disability
(Option 2)
Plan Funding
100% Employee-funded
Coverage Amount
60% of your weekly earnings
Maximum Weekly Benefit
$1,000
Coverage Begins (Accident / Sickness)
21st day
Maximum Duration
10 weeks
Short-Term Disability
(Option 3)
Plan Funding
100% Employee-funded
Coverage Amount
60% of your weekly earnings
Maximum Weekly Benefit
$1,000
Coverage Begins (Accident / Sickness)
31st day
Maximum Duration
9 weeks
- STD coverage protects you when an illness, accident, or maternity leave has kept you out of work. Coverage is available for all percentage teachers.
- Pre-Existing Condition means any condition for which, during the 6 months before your coverage becomes effective, you:
- Received medical treatment or consultation
- Took or were prescribed drugs or medication
- Received care or services, including diagnostic measures or testing
All of your sick leave balance must be used for weekly benefits to be paid to you. Available to all employees working 25 hours or more per week.
Please note that this Short-Term Disability policy does not pay you benefits for work-related injuries covered by Workers' Compensation.
The elimination period is included in the maximum paid period. For example, the maximum benefit is paid for up to 12 weeks, minus the 10-day elimination period.
Buy-Up Long-Term Disability
Plan Funding
100% Employee-funded
Coverage Amount
60% of your monthly earnings
Maximum Monthly Benefit
$5,000
Coverage Begins
91st day
Maximum Duration
Social Security Normal Retirement Age (SSNRA)
- Guaranteed Issue is available when you first become eligible for benefits. After this period, there is no guaranteed issue for the additional 10% buy-up. You will be required to complete the enrollment form and Evidence of Insurability (EOI), subject to approval by Voya Financial.
- Pre-Existing Condition means any condition for which, during the 6 months before your coverage becomes effective, you:
- Received medical treatment or consultation
- Took or were prescribed drugs or medication
- Received care or services, including diagnostic measures or testing
Log into BusinessPlus/Employee Online/Menu/Benefits/Benefits Summary/Additional Life Insurance. Complete the Voya Financial Additional Disability Enrollment Insurability form to enroll, increase, or decrease your voluntary disability insurance. Submit form to the HR Benefits department by October 31, 2026, NOT VOYA. Once the Benefits Department receives the Life InsuranceDisability Enrollment Form, you will be provided the Evidence of Insurability form by Voya. The effective date for Voluntary term life insurance coverage and premiums will be the approval date from Voya Financial.
Contact the provider of these benefits by calling this phone number or visiting this website: (888) 305-0602, voya.com/claims
Group #711543