Lake County employees working a minimum of 30 hours a week are eligible for Life and AD&D coverage under Minnesota Life's insurance plan. If someone ever retires or leaves Lake County, they can take the coverage with them and pay premiums directly to Minnesota Life.

• Employer pays for the employee’s basic life and AD&D insurance (equal to one year’s annual salary with a minimum of $20,000)
• Employees have option to buy additional supplementary Life and AD&D insurance for themselves and their dependents

Extra features offered by Minnesota Life include Beneficiary Financial Counseling; Will Preparation Service; and Travel Assistance Program.

• Minnesota Life Open Enrollment Presentation

• Life Insurance & Accidental Death & Dismemberment (AD&D) Enrollment/Change Form
• Life Insurance Beneficiary Designation Form

• Supplemental Life Insurance - Minnesota Life
• Employee Group Term Life Certificate of Insurance
• Annual Open Enrollment Booklet
• New Hire Booklet

Lake County BCC Employees who work a minimum of thirty (30) hours per week are eligible for Long Term Disability coverage through Mutual of Omaha, provided they meet the plan qualifications.

• Employer pays full cost for long-term disability.
• There is a 180 Day Elimination period  (the waiting period before benefits are paid.)
• The base long term disability benefit is 60% of the employee’s monthly earnings, to a maximum of $5000 per month.
• The employee also has an option to buy a rider that shortens the elimination period to 90 days.

Lake County BCC Employees who work a minimum of thirty (30) hours per week are eligible for Short-Term Disability coverage through Mutual of Omaha providing that they meet the plan qualifications.

• Employee pays the full cost for short-term disability
• Benefits begin on the 1st day of a disabling injury and on the 8th day of a disabling illness.
• The short-term disability benefit is 60% of the employee's weekly earnings, to a maximum of $1000 per week.
• Short-term benefits are available for up to 13 weeks.
• Disabilities that occur during the first 6 months of coverage due to a pre-existing condition during the 3 months prior to coverage are excluded.

Video

• Long-Term Disability / Short-Term Disability Benefits Video

Forms

• Long-Term Disability (LTD) / Short-Term Disability (STD) Enrollment / Change Form
• LTD / STD Evidence of Insurability Form

Information

• Long-Term Disability Core Plan Summary
• Long-Term Disability Buy Down Plan Summary
• Long-Term Disability Benefits Certificate of Coverage
• Short-Term Disability Plan Summary
• Short-Term Disability Certificate of Coverage