Joliet Junior College provides Basic Life and AD&D coverage to each active, full-time employee at no cost.
Basic Life and AD&D Insurance
Joliet Junior College provides Basic Life and AD&D coverage to each active, full-time employee at no cost. The Life coverage pays a sum of money at the death of the insured person and the AD&D policy pays benefits to the beneficiary if the cause of death is an accident.
Supplemental Life and AD&D Insurance
Each active, full-time employee is eligible to enroll in this Supplemental Life and AD&D coverage. Employee and Spouse coverage is from $10,000 to $750,000 in increments of $10,000. Employee coverage may not exceed 7 times his/her annual salary, and Spouse may not exceed the Employee’s coverage amount.
Child coverage is offered at $2,500, $5,000, $7,500, or $10,000. Additional benefits include Accelerated Death Benefit, Living Benefit Rider, and Bereavement Counseling.
- New Hires Guarantee Issue – no medical exam required
- Waiver of Premium – premiums are waived if you should become totally disabled
- Portable – keep insurance if you later become ineligible
- Conversion Privilege – you can convert your coverage to an individual insurance policy without having to furnish proof of good health
This AD&D coverage is a convenient, affordable measure of protection for you and your family against the very aspects of life no one wants to think about, let alone plan for.
This coverage is convertible and includes Exposure & Disappearance Coverage, Reserve National Guard Benefit, and Seat Belt/Air Bag Benefit.
Voluntary Long-Term Disability Benefit
This Voluntary LTD program is a supplement to your SURS gap to 65% benefit (non-tax) until the age of 65. Each active, full-time employee earning an annual salary of at least $10,000 is eligible for this coverage. Included is a Survivor Benefit and Conversion Privilege. It is subject to a Pre-Existing Condition Limitation of 6/6/24 that states that a pre-existing condition is any condition for which you:
- 6 Months - received treatment in the 6 months immediately prior to coverage effective date
- 6 Months - received in the 6 months immediately following effective date
- 24 Months - are receiving ongoing treatment
Newly eligible employees can add LTD without evidence of insurability during their first 31 days of employment.