Voluntary Benefits
- Summary
- Enhanced Critical Illness Insurance
- Group Accident Insurance
- Whole Life Insurance
- Supplemental Dental Insurance
- Legal Resources
- LegalShield
- Short Term Disability Insurance
Voluntary Benefits are insurance products that employees may choose to purchase through the County:
- Supplemental Insurance
- Unum Enhanced Critical Illness Insurance Plan
- Unum Group Accident Insurance Plan
- Unum Whole Life Insurance
- Aflac Supplemental Dental Insurance
- Legal Services
- Legal Resources Legal Plan
- LegalShield Legal Plan
Enhanced Critical Illness coverage from Unum can provide financial assistance when a serious illness strikes. Benefits paid by Group Critical Illness Insurance policies can help you with deductibles, co-pays and other out-of-pocket costs when you are diagnosed with a covered critical illness, such as a heart attack, stroke or cancer. Family coverage options are available for your spouse and children (under age 26).
You pay the full cost of coverage. Premiums are deducted from your paycheck on an after-tax basis. Each plan includes a $50 Wellness Benefit.
Contact Unum
Phone: 301-298-8140
Website: Learn more about Unum
Unum provides Group Accident Insurance plans as a voluntary benefit to County employees. Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need. It covers accidents that occur on and off the job. Group Accident Insurance includes a range of incidents, from common injuries to more serious events. Family coverage options are available for your spouse and children (under age 26).
You pay the full cost of coverage. Premiums are deducted from your paycheck on an after-tax basis. Each plan includes a $50 Wellness Benefit.
Contact Unum
Phone: 301-298-8140
Website: Learn more about Unum
Unum is the Prince George’s County Whole Life Insurance administrator providing life insurance for your spouse, children and yourself. Unum’s Whole Life Insurance is designed to pay a benefit to your beneficiaries, but it can also gain cash value you can use while you are living . This benefit offers an affordable, guaranteed level premium that will not increase due to age.
Unum provides the following coverage options:
- Whole Life Insurance
- Individual spouse coverage
- Individual child coverage
- Child Term Life benefit
Key Features:
- This plan can be used in addition to your County provided Basic, Supplemental, and/or Extra Life Insurance.
- You pay 100% of the premium cost.
- Deductions are taken biweekly on an after- tax basis. Payments you receive from the program are not taxed.
Contact Unum
Phone: 301-298-8140
Website: Learn more about Unum
Supplemental Dental Insurance is administered by Aflac. Supplemental dental insurance is a separate plan that enhances your current dental coverage. An individual or family that needs coverage for a particular procedure not covered by their dental plan may choose to purchase supplemental dental insurance to help manage costs.
Key Features:
- Choose your own dentist
- No precertification requirements
- Pays an annual wellness benefit
- Premiums start as low as $5.73 per week
Contact Aflac
Customer Service: 410-394-9617
Website: www.princegeorges.aflac@gmail.com
The Legal Resources Legal Plan covers the attorney fees for a broad range of the most often needed legal services. The plan covers you, your spouse, and qualifying dependent children. There are no annual usage limitations, co-pays, or deductibles for the fully covered services.
- Legal Resources (PDF)
- How To Enroll (PDF)
- How to Enroll During Open Enrollment - Oct. 17-31, 2022 (PDF)
Plan Features:
- Legal services are covered in full for your monthly fee
- $17 per month deducted on an after-tax basis the first pay period of the month or $3.92 per week which includes identity theft. coverage.
- Mandatory enrollment of twelve (12) months
Services | Legal Resources |
| Covered Members | Employee, spouse and dependent children unlimited use of plan services |
| Parent Coverage | Parents and Spouse’s Parents receives a 25% discount off Attorney Fees |
| Divorce (Uncontested) Divorce (Contested) | Fully Covered (no waiting period) Advice and Consultation; 25% Discount |
| Adoption (Uncontested) | Fully Covered |
| Traffic Ticket Defense | Fully Covered |
| Will Preparation Standard Will Powers of Attorney Living Wills Codicils Complex Wills | Fully Covered Fully Covered Fully Covered Fully Covered Consultations covered in full; 25% Discount |
| Document Preparation Deeds, Affidavits, Demand Letters, Mortgages, Promissory Notes | Fully Covered, no limits |
| Purchase or Sale of Home | Fully Covered, 100% Attorney Fees covered on buying, selling, or refinancing primary residence |
| Identity Theft Defense | Fully Covered for household
|
| Immigration Assistance | Consultation and Document Review fully covered; 25% Discount |
| Financial and Tax Planning Services | Consultation and Document Review fully covered; 25% Discount for preparation of a Financial Plan |
| Enrollment Requirement | Must remain enrolled for twelve (12) months |
| DUI | Fully Covered, 100% Attorney fees covered first offense DUI |
| Tenant Disputes | Fully Covered, 100% Attorney fees covered as Tenants |
| Consumer Protection (Civil Action) and Civil Litigation in District Court (Defendant and Plaintiff) | Fully Covered, 100% Attorney Fees covered for household |
| Attorney Selection | Member chooses their own law firm from Legal Resources network, hundreds of attorneys in Greater Washington area and thousands nationwide. |
Contact Legal Resources
Customer Service: 1-800-728-5768
Website: legalresources.com
The LegalShield Legal Plan gets you access to advice and counsel on an unlimited amount of personal legal issues, which include credit problems, family law, traffic violations, defense and preparation of wills.
- Legal Shield (PDF)
How to Enroll: http://www.legalshield.com/info/pgcomd
Plan Features:
- Legal services are covered in full for your monthly fee
- $15.75 per month deducted on an after-tax basis the first pay period of the month or $3.63 per week
- Retirement approved; portable at the employee rate
- No enrollment commitment; cancel anytime
Services | LegalShield |
Covered Members | Employee, spouse/significant other and dependent children |
Nationwide Coverage 24/7/365 Consultation, Letters, Phone Calls | Yes Unlimited |
Will Preparation Standard Will Powers of Attorney Living Wills Codicils Complex Wills | Fully Covered Fully Covered Fully Covered Fully Covered Fully Covered Consultations covered in full; 25% Discount |
Adoption, Name Change, Separation, Divorce (Uncontested) | Fully Covered |
“In Court” Moving Traffic Ticket Defense | Fully Covered, Unlimited, Nationwide |
Personal IRS Audit | Consultation and Document Review fully covered; 50 hours covered |
Document Review | Fully Covered |
Mortgage Document Purchase, Sale, Refi of Home | Fully Covered |
Immigration Assistance | Consultation and Document Review fully covered; 25% Discount |
Civil Trial Defense (Consumer Protection) | Fully Covered, Increasing Trial Hours |
Enrollment Requirement | None, cancel Anytime |
DUI/DWI | Consultation and Document Review fully covered; 25% Discount |
Pre-Existing Issues | Consultations covered in full; 25% Discount |
Emergency Access 24/7
MD/DC/VA Law Firm
| Yes
Friedman, Framme & Thrush – 100 year old law firm, Top AV Rated, Full Service, over 45 attorneys on staff, Field Offices, Referrals Nationwide No guessing/selecting who to call, 1 number for all areas of law |
Identity Theft Monitoring/Restoration | $2.30/week when added to legal coverage Employee, Spouse plus up to 8 children covered Licensed, Private Identity Theft Investigators Credit Reports Credit Scores Credit Monitoring Full Restoration Push Notifications to Mobile App Pre-Existing covered Emergency Access to Investigators 24/7/365 |
Contact LegalShield
Customer Service: 1-800-654-7757
Website: www.legalshield.com
Short Term Disability insurance through MetLife protects a portion of your income if you are unable to work due to a covered injury or illness.
Key Features:
- Income Coverage of up to 60% of your salary (Maximum $3,000 weekly benefit)
- Deductions for the programs are done on an after- tax basis.
- 7 day elimination period for sickness (includes pregnancy) and injury
- Benefits are available for up to 26 weeks
Benefits will not be paid for the following;
Exclusions
- Elective treatment or procedures, such as cosmetic surgery, reversal of sterilization, liposuction, visual correction surgery, in-vitro fertilization, embryo transfer procedure, artificial insemination or other specific procedures. However, pregnancies and complications from any of these procedures will be treated as a sickness.
- War, whether declared or undeclared, or act of war, insurrection, rebellion or terrorist act;
- Active participation in a riot;
- Intentionally self-inflicted injury or attempted suicide;
- Commission of or attempt to commit a felony.
- Pre-existing conditions;
- means a Sickness or accidental injury for which You:
- received medical treatment, consultation, care, or services; or
- took prescription medication or had medications prescribed; in the 3 months before Your insurance under MetLife takes effect.
- means a Sickness or accidental injury for which You:
- A Pre-existing Condition does not include a condition admitted in the application unless such condition is excluded by a signed waiver rider.
- We will not pay benefits, or any increase in benefit amount, for a Disability that results from a Pre-existing Condition, if the Disability begins prior to the earliest of:
- the date You have not received medical treatment, consultation or services for the Pre-existing Condition for a period of 3 consecutive months after the date insurance under this certificate takes effect; or
- If You were not required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect; or
- If You were required to give evidence of insurability when You enrolled for the insurance under this certificate, the date 12 months from the date such insurance takes effect.
- Note that Maryland has a pre-existing condition limit on an all employee paid Short-term Disability plans. This means that you will have to wait one year for any conditions in which you sought treatment for an injury or illness with 3 months prior to enrollment in the plan. Pregnancy is included in this pre-existing condition limit.
- We will not pay benefits, or any increase in benefit amount, for a Disability that results from a Pre-existing Condition, if the Disability begins prior to the earliest of:
For UNUM participants, if you were to elect MetLife your monthly time with Unum would count toward your one-year waiting period as long as there was no break in coverage with UNUM.
STD Rate Calculation Examples
| Age Category | per $10 of Covered Weekly Benefit |
| under age 25 | $0.62 |
| Age 25 to 29 | $0.65 |
| Age 30 to 34 | $0.67 |
| Age 35 to 39 | $0.60 |
| Age 40 to 44 | $0.65 |
| Age 45 to 49 | $0.79 |
| Age 50 to 54 | $0.99 |
| Age 55 to 59 | $1.21 |
| Age 60 to 64 | $1.43 |
| Age 65 and older | $1.72 |
Locate rate based on age as of 12/31/22
Example #1
Age: 27 as of 12/31/22
Salary: $56,676
Calculation
- Divide Annual earnings by 52; $56,676/52 = $1,089.92 weekly earnings
- Multiple weekly earnings by 60% to determine weekly benefit; $1,089.92 x 0.60 = $653.95
- Determine value per $10; $653.95/10 = $65.40
- Multiply by the appropriate age-based rate; $65.40 x 0.65 = $42.51 estimated monthly premium
Example #2
Age: 56 as of 12/31/22
Salary: $140,812
Calculation
- Divide Annual earnings by 52; $140,812/52 = $2,707.92 weekly earnings
- Multiple weekly earnings by 60% to determine weekly benefit; $2,707.92 x 0.60 = $1,624.75
- Determine value per $10; $1,624.75/10 = $162.48
- Multiply by the appropriate age-based rate; $162.48 x 1.21 = $196.60 estimated monthly premium
Contact MetLife
Customer Service: 1-833-622-0135
Website: www.metlife.com