Continue other insurance coverage

Former employees have the option to continue some types of insurance coverage.

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Dental

Your voluntary dental coverage will end on the last day of the month in which you left the county unless you choose to continue coverage at your own expense. You can continue this coverage indefinitely. This is not the dental plan provided by AFSCME or Teamsters.

Eligibility

  • You must have county-sponsored dental insurance coverage activated by the date you leave the county.

Cost

  • If an employee meets the retiree health insurance program continuation standards, the current premium is paid by the employee.
  • If an employee does not meet these program standards, the current premium plus a 2% administrative fee is paid by the employee.

Coverage

  • 121 Benefits will manage your dental insurance continuation.
  • You may add dependents during the first 18 months of your continuation coverage if there is a qualifying event. After the first 18 months you are prohibited by Minnesota state law from adding them. You may remove dependents from your plan at the beginning of any month.

Life

All former employees have the option to continue their group life insurance coverage at their own expense for up to 18 months.

Eligibility

  • You must have county-sponsored life insurance coverage activated by the date you leave the county.

Cost

  • You will pay the group rate plus a 2% administrative fee. The cost is slightly less than normal because the accidental death and dismemberment provision is not offered.
  • Your premium may increase during your 18 month continuation if you have a birth date that moves you into a new age/premium category that has higher rates.

Coverage

  • 121 Benefits will manage your life insurance continuation.
  • There can be no lapse in coverage. Your continuation period must begin at the point your group coverage would have otherwise ended.
  • Coverage will be canceled if you fail to pay premiums on schedule, if you become covered under another group life insurance policy, or if the county’s group life insurance plans are terminated.
  • A separate insurance law requires individuals be allowed to convert coverage to a non-group policy without submitting evidence of insurability. 121 Benefits will notify you of the conversion rights.
  • Coverage ends after 18 months.

Long term disability

An employee cannot continue this coverage after leaving the county.

Coverage ends at midnight on the day you leave the county.

Short term disability

An employee cannot continue this coverage after leaving the county.

Coverage ends at midnight on the day you leave the county.

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