LIFE / DISABILITY
Basic Life / AD&D – 100% Employer Paid
All full-time eligible employees receive a $10,000 basic life and accidental death and dismemberment (AD&D) policy.
Benefit reduces to 50% at age 70 .
Mandatory Voluntary Term Life / AD&D – General Employees Only
Employee
Spouse
Child
Increments of $10,000 to a maximum of $175,000 not to exceed one (1) times your annual base salary
$10,000
$5,000
AD&D is for employees only. Benefit reduces to 50% at age 70. Spouse benefit terminates at age 95.
Coverage amounts and rates calculated at start of employment and adjusted as salary increases.
VOLUNTARY LIFE – Optional for General and PEBA Employees
Employee
Spouse
Child
Benefit
$10,000 increments to a maximum of $200,000 not to exceed five (5) times annual base salary
$20,000 | $25,000 | $30,000 $40,000 | $50,000
$10,000
Guaranteed Issue Amount* $10,000 * Guaranteed issue amounts for new employees without completing a medical questionnaire. If you select a benefit amount over the guaranteed issue amount listed above or if you enroll in voluntary life insurance after your new hire eligibility window has closed, you must complete a medical questionnaire. Your enrollment will pend underwriting approval. Benefit reduces to 50% at age 70, 25% at age 75. Spouse premium is based on employee’s age. Spouse benefit terminates at age 70. $200,000 $50,000 See page 30 for employee premiums
Long –Term Disability – 100% Employer Paid – General Employees Only
Benefit
66.67% of your monthly pre-disability earnings
Maximum Monthly Benefit
$7,500
Benefits Begin
91 st Day
Benefit Duration
Greater of Social Security Normal Retirement Age or see chart below *
Pre-Existing Limitations
3-month look back / 12-month exclusion Mental Illness: Two (2) Years Drug/Alcohol Abuse: Two (2) Years
• • • • • • • • • • •
Less than age 60
To age 65 5 Years 4 Years 3.5 Years 3 Years 2.5 Years 2 Years 21 months 18 months 15 months 12 months
60 61 62 63 64 65 66 67 68
69+
Public Safety employees have life insurance and long-term disability insurance through their membership in the S.C. Retirement System.
CONMB Employee Benefit Guide 2025
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