District-Paid Life Insurance

Valdosta City Schools provides all eligible employees with basic life & Accidental Death & Dismemberment (AD&D) insurance at no cost to you through Unum.  There is also a death benefit for eligible spouses and children.  This district-paid basic life coverage is designed to offer financial protection for you and your family in the event of your death.

 

Important Documents

Schedule of Benefits
Description
All full-time employees
Life Insurance & AD&D Benefit
$20,000
Dependent Life Insurance Benefit
Spouses and Children up to age 26
(AD&D is not included)
Children from live birth to 6 months
$10,000


$1,000
Accidental Death & Dismemberment
(Included for Employee Basic Life Benefit)
Includes a benefit in the event of death and/or dismemberment due to a covered accident
Portability and Conversion
If certain conditions are met, employees may continue coverage upon employment separation.
Employee Benefit Reductions based on age
Benefits reduce by 50% at age 70

Travel Assistance

Unum also provides a Travel Assistance benefit, which gives you access to resources while traveling. Whenever you travel 100 miles or more from home — to another country or just another city — be sure to pack your worldwide emergency travel assistance phone number.  Travel assistance speaks your language, helping you locate hospitals, embassies, and other “unexpected” travel destinations.  Just one phone call connects you and your family to medical and other important services 24 hours a day.

  • Downloading the app, AssistAmerica, before you travel is a good idea since it can take your location from your phone and can send help to that location if you don’t know where you are.
  • The service can help with finding a hospital, transportation, critical care, legal referral, and passport replacement.
    • Emergency evacuation to a 1st world medical facility and transportation for family members to join the insured hospitalized for an extended period
    • Legal referral (including assistance with bail bonds)
    • Personal services (including emergency funds transfer & assistance in replacing lost/stolen travel documents)

Financial Planning and Legal Resources

Financial Planning and Legal Resources offers vital support during life’s most difficult moments, whether facing a terminal illness or navigating the loss of a loved one.  This benefit is available to employees and family members at no extra cost.

 

Once a life claim is submitted and approved, a dedicated consultant, with a minimum of a master’s degree in mental health, reaches out to offer one-on-one guidance.  These consultants are trained to assist with the emotional, legal, and financial complexities that often arise during a terminal diagnosis or after a death.  Support includes help with:

  • Estate settlement and probate questions
  • Social Security and retirement account management
  • Investment planning and insurance money decisions
  • Cash flow, tax concerns, and organizing paperwork

 

Consultants work confidentially, without commissions or sales pressure, and can collaborate with your existing attorney, accountant, or financial advisor.

 

To access services:

Call: (800) 422-5142 (multilingual support available)

Visit: members.healthadvocate.com and enter: Unum – Life Planning

Coverage Continuation Options

In the event of employment separation, you may port or convert your basic life insurance coverage. Portability provides you with an individual term policy which terminates at age 75, and portability must be elected prior to age 70.  Conversion provides an individual whole life insurance policy.  For coverage continuation options, portability or conversion must be elected within 31 days of your employment separation, and premium payments are remitted directly to Unum.  Contact Unum to exercise these options.

Non-Medical Enrollment and Questions:
(866) 933-2460

Medical Enrollment and Questions:
(800) 610-1863

General Questions: help@vcsbenefits.org

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