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Supplemental Benefits Program

The Supplemental Benefits Program is designed to complement the benefits provided by the state. Through a joint initiative between the Office of the State Comptroller and the Vendor Advisory Committee (VAC), vendors were selected to participate in this program through a competitive process that considered price and product offerings. Participation in the program is voluntary, and premium payments are paid by you through the convenience of payroll deduction.

For a summary of the State of CT Employee Benefits, please visit: https://www.osc.ct.gov/benefits/docs/EmployeeHandbook.pdf

 Home and Auto Insurance

Eligibility
Available to employees working 17.5 or more hours per week, retirees and spouses.

Enrollment
The state has selected three vendors to offer auto, home insurance and personal liability umbrella coverage. You can contact agents at the numbers below to obtain a quote, discuss your coverage options and learn about discounts available to you as a State of Connecticut employee. This voluntary benefit allows active employees to make premium payments through the convenience of payroll deduction.
 
Liberty Mutual Insurance Co.
Phone: (888) 257-4889
www.libertymutual.com/stateofct

MetLife
Phone: (800)438-6381

Travelers
Phone: (888) 695-4640 (new enrollment)
(800) 842-5075 (existing clients)
www.travelers.com/ct

 

Short Term Disability Insurance


Short-term disability insurance replaces a portion of income when you are unable to work due to a covered injury or illness. For more information about short-term disability options, contact the carriers listed below.

Colonial  Life


Eligibility
Employees are eligible to enroll on their first day of employment, provided they work at least 17.5 hours per week and meet the issue-age requirements of 17-69 years of age. Available to employees working 17.5 or more hours per week, retirees and spouses.

Guaranteed Coverage
New employees who enroll during the first 90 days of employment can obtain guaranteed coverage for up to 66 2/3% of income to a  maximum of $3,000 in monthly benefits.

How To Enroll
Call 1-800-884-0689 or email ColonialHR@Colcapitol.com

On the Web
visityouville.com/StateofCT


Lincoln National


Eligibility
Employees are eligible to enroll on their first day of employment, provided they work at least 17.5 hours per week. 

Coverage
Employees can obtain guaranteed coverage (no health questions asked) up to $1,250 per week, not to exceed 70% of the basic weekly gross income.  The weekly short term disability benefit will be the amount selected when you enroll.

How To Enroll
Call 866-858-1171


Long Term Disability Insurance


Long-term disability insurance replaces a portion of income when you are unable to work due to a covered injury or illness. For more information about long-term disability insurance, contact The Hartford below.

Eligibility
Employees working at least 17.5 hours per week are eligible to enroll for coverage on their first day of employment.

Guaranteed Coverage
New employees who enroll during the first 60 days of employment can obtain guaranteed coverage. If you waive participation and choose to enroll after the 60-day period, you will be subject to evidence of insurability guidelines.

This coverage may be of interest to members of Tier II, Tier IIA, Tier III and those on the Hybrid Plan of the State Employee Retirement System, as they are not eligible for non-service related disability retirement benefits before completing 10 years of vesting service.

Long-Term Disability coverage delivers a percentage of your income each month for as long as you remain disabled, or until you reach your Social Security Full Retirement Age, whichever comes sooner. If your disability occurs at age 63 or later, your payments may be reduced. Benefits from this plan are tax free. Premium payments can be made via payroll deduction.

How To Enroll

Call The Hartford at 888-723-8583 or 203-634-2829 or email USICT.SCEVLTD@usi.biz. On the web: www.thehartford.com/benefits/SCEVLTD


Long Term Care Insurance


Long-term care insurance helps pay for extended care, primarily in your home or in the community that is not covered by health insurance, Medicare or Medicaid. For more information about long-term care insurance, contact TransAmerica below.

Eligibility

  • All employees with six months or more of state employment who are between the ages of 18 and 79, working at least 17.5 hours per week.
  • Retirees under age 79
  • Eligible family members (spouses/partners, parents, parents-in-law, step-parents, grandparents, grandparents-in-law, and adult children)
How To Enroll
  • Upon completing six months of service, employees will have a 30-day period to apply for coverage under the carrier’s simplified underwriting program. After the 30-day eligibility period has passed, all applicants will to required to answer additional medical questions.
  • Contact an authorized Long-Term Care Insurance enroller at 800-582-2889 or email TransAmerica at socltc@armltc.com. On the web: www.myctltci.com or www.armltci.com/ltcbenefit


Voluntary Life Insurance


Voluntary Life Insurance provides coverage up to $500,000 for active employees and retirees. Premium rates vary, based on the coverage elected and age group in which the covered individual is positioned. If the insured passes away during the policy term, the death benefit is payable to the designated beneficiary.

Eligibility
You are eligible for Voluntary Life Insurance if you work at least 17.5 hours per week and are enrolled for Basic Group Life Insurance.

Guaranteed Coverage
New employees, under age 60, who enroll within the first 6 months of employment can obtain guaranteed coverage up to $100,000 and up to $30,000 for their spouse. Employees enrolling after this initial period are subject to evidence of insurability requirements.

How To Enroll
Contact a Dearborn Life Insurance representative at 866-858-1171.