Voluntary Benefits


Group Accident

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.

Whole Accident

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.

Website: www.unum.com

Supplemental Dental Insurance

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

Website: www.princegeorges.aflac@gmail.com

Legal Resources

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.

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


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.

Plan Features:

  • Deductions are taken on an after-tax basis
  • Attorney fees not covered in full are provided at a 25% discount

Short Term Disability Insurance

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;


  • 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.
  • 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.

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