Open Enrollment

• No healthcare benefit changes. All medical, prescription, vision and dental premiums and benefits are staying the same — no cost increases!
   

• We have a new life and AD&D insurance and short- and long-term disability (STD/LTD) insurance company (The Hartford), and this change means:

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You have a one-time opportunity to get up to $250,000 of supplemental life insurance — no questions asked!

During this year’s open enrollment only, you may purchase up to the guaranteed issue of supplemental life insurance for yourself and your spouse/domestic partner without evidence of insurability.

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Evidence of insurability (EOI) means you must complete a health questionnaire (or possibly a health exam) and receive insurance company approval to be covered.

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The guaranteed issue is the maximum amount of insurance you can get without EOI.

•  Employee: Up to 4x your salary (not to exceed $250,000)

•  Spouse/domestic partner: $30,000

 

If you enroll yourself or your spouse/domestic partner at any other time, or if you want more than the guaranteed issue in coverage, EOI is required.

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You can now purchase supplemental life insurance coverage for your spouse/ domestic partner and children without enrolling in supplemental life for yourself

You can purchase coverage for a domestic partner if the two of you meet requirements to register as domestic partners in Washington State, and if you submit a notarized domestic partnership affidavit to the District.

 

Get up to $10,000 of child supplemental life insurance:

•  One premium covers all children up to age 26 (previously to age 23)

•  EOI is not required for child(ren) life insurance

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Consider enrolling (or re-enrolling) in the LTD buy-up

Our new LTD insurance company, The Hartford, offers a higher maximum LTD payment than the current benefit. The new optional LTD buy-up still provides a 66 2/3% of base pay benefit, but will cover up to $90,000 of lost income (66 2/3% of $150,000 in annualized pay) — an increase of $30,000 per year. This means it’s a good benefit for more of our employees than the current LTD benefit. The LTD buy-up costs $35.92 per month.

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If you don't enroll in the LTD buy-up during open enrollment, you will be enrolled in core LTD coverage by default. Core LTD benefits pay 60% of your eligible earnings, to a maximum of $5,000 per month, or $60,000 per year. Core LTD costs $19.50 per month.

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Employees pay for LTD benefits to avoid having to pay income taxes on benefits received.

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Remember: if you're currently enrolled in the LTD buy-up and want to keep this coverage for 2024, you must
re-enroll during open enrollment.