Benefits & Wellness Division
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Supplemental Insurance Programs
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Frequently Asked Questions
Supplemental Insurance Programs
The Santa Barbara County offers a variety of insurance policies that are available to you. Below are highlights of programs that are offered.
BASIC LIFE and Accidental Death & Dismemberment (AD&D) (County paid benefit)
Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech, sight, or hearing, or if you die in an accident.
LONG-TERM DISABILITY INSURANCE (County paid benefit)
Long-Term Disability coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performing any of your job functions over a long time. It's important to know that benefits are reduced by income from other benefits you might receive while disabled, like Workers' Compensation and Social Security.
VOLUNTARY TERM LIFE INSURANCE
Voluntary Term Life Insurance allows you to purchase additional life insurance to protect your family's financial security. Coverage is provided by Voya Financial.
VOLUNTARY WHOLE LIFE INSURANCE
Whole Life insurance, through ManhattanLife provides you with additional financial security and is designed to last through your retirement. A Facility Care Rider offers protection for Long Term Care expenses.
VOLUNTARY PERSONAL ACCIDENT
Voluntary Personal Accident Insurance (PAI) is offered by Voya Financial. Premiums are based on a flat rate per $1,000 for Employee only or Family (Spouse/Domestic Partner and Child). Evidence of Insurability (EOI) is not required. This coverage protects your family financially in the event that you die due to an accident.
Voluntary Compass Accident Insurance is offered by Voya Financial. This policy helps you pay for the out-of-pocket costs you may experience after an accident. The policy pays a lump sum amount depending on the type of injuries you have sustained such as:
- broken bones
- torn ligaments
- expenses from hospitalizations, the ER, office visits or physical therapy
To file an Accident or Wellness claim, click here: https://claimscenter.voya.com/static/claimscenter/
VOLUNTARY CRITICAL ILLNESS
Critical Illness Insurance is an affordable way to protect against the financial stress of a serious illness. It pays a lump-sum benefit if you are diagnosed with a covered illness or condition. This policy provided by Voya Financial is in addition to your health coverage. You may use this benefit to pay:
- Medical expenses
- Child care
- Home health costs
- Mortgage payment/rent and home maintenance
This policy offers an annual Wellness benefit that provides a $200 reimbursement for covered health screenings.
To File a Critical Care or Wellness claim, click here: https://claimscenter.voya.com/static/claimscenter/
Grandfathered Plan - Voluntary Critical Illness Insurance
(this plan is closed to any new enrollment or changes) County Employees Only
VOYA Grandfathered Critical Illness Plan Booklet