Human Resources

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. Coverage is provided by Voya. Remember to review your beneficiaries annually during Open Enrollment and update as needed. There are various life insurance policies dependent on your bargaining unit.

Voluntary Supplemental Life and AD&D Insurance

Voluntary Supplemental Life Insurance allows you to purchase additional life insurance to protect your family's financial security. This is an employee paid benefit. Coverage is available for your spouse and/or child(ren) if you purchase coverage for yourself. The employee must be approved for coverage to add dependents. Employees can apply for supplemental coverage in increments of $10,000, the minimum coverage amount is $20,000 with a maximum of $500,000. The benefit amount reduces to 65% at age 65, to 50% at age 70 and to 30% at age 75.

New employees can enroll within the first 31 days of employment with a guaranteed issue of up to $150,000 without submitting an Evidence of Insurability (EOI) form. An EOI form will be required for all other enrollees including during Open Enrollment. It is the employees responsibility to complete an EOI form which requires additional information about your health and the health of your dependents you want to cover. You must submit the EOI form to Voya for them to determine your eligibility. The coverage will not begin and no deductions will be taken from your paycheck until the EOI has been approved by Voya.

You have the option to continue your Voluntary Voya Life Insurance after you separate from the County. You must do so within 31 days of your separation. There are two options for continuing your plan:

1. Port - Portability allows you to continue your coverage under the same group policy by paying your premiums directly to the insurance company (age limitations may apply).
2. Convert - Conversion allows you to convert all or a portion of your Group Term Life Insurance to an individual Whole Life Policy when you are no longer eligible for coverage under the group policy.
   • NOTE: County policies are only Term and have no cash value. They only become Whole Life when someone leaves County employment and converts their coverage.

Employer Paid Basic Life Insurance

The County provides Basic Term Life Insurance to employees in certain bargaining units at no cost. No action is needed to maintain these benefits. Employees also have option to purchase additional supplemental life insurance. On the policy anniversary after you attain age 65, the benefit amount is reduced by 35% of the original face amount. On the policy anniversary after you attain age 70, the benefit amount is reduced by 50% of the original face amount. This benefit is provided as follows:

Taxes: Due to IRS regulations, a life insurance benefit of $50,000 or more is considered a taxable benefit.  

You have the option to continue your Basic Voya Life Insurance after you separate from the County. You must do so within 31 days of your separation. With Basic Life Insurance, you may only convert this policy if you wish to continue it. See above for more information on converting your policy. 

Contact Information

Phone: 800-955-7736
Website: presents.voya.com/EBRC/SLO
Group Name: PRISM Health
Group Number: 316407
Account: 37 – County of San Luis Obispo

Since this is a group insurance plan, Voya does not maintain individual or personalized policy information unless you have filed a claim.

For instructions on how to submit an Evidence of Insurability (EOI) form, please visit the EOI Form Instructions webpage.