Welcome to Your Life and Disability Insurance Benefits Site

Plan Details, Enrollment and Guaranteed Issue Opportunities

Life Insurance

CARRIER: Securian Financial, underwritten by Minnesota Life Insurance Company

 

COVERAGES:

  • Employee Optional Term Life*
  • Spouse Term Life*
  • Child Term Life

*Life amount includes a matching AD&D benefit

 

DOWNLOAD / PRINT 

from the Links below

 

Plan Summary, Rate Grid, Value Adds:

 Certificate:

 

RESOURCES:

Disability Insurance

CARRIER: Madison National Life

 

COVERAGES:

Shor Term Disability (STD)

Long Term Disability (LTD

 

DOWNLOAD / PRINT 

from the Links below

 

Plan Summary and Value Adds:

Certificates:

 

RESOURCES:

WANTING MORE INFORMATION?

Click the OVERVIEW box below for benefit details and to find out how to enroll.

STILL HAVE QUESTIONS?

 

Contact OCHS
651- 665-3789

1-800-392-7295

or

ochs@ochsinc.com

Term Life

During the open enrollment period, elect or increase Guaranteed Issue coverage amounts in self service. For amounts beyond the guaranteed issue limits, or when enrolling outside of the open enrollment period, complete the Optional Application. Proof of good health (evidence of insurability) will be required.

Short Term Disability

During the open enrollment period, or anytime during the year, enroll by completing the Optional Application. New coverage or increases in coverage with require proof of good health (evidence of insurability).

Optional AD&D

During the open enrollment period and anytime throughout the year, elect or increase coverage Guaranteed Issue by completing the Optional Application. Proof of good health (evidence of insurability) is never required for Optional AD&D.

Long Term Disability

During the open enrollment period, elect or increase coverage Guaranteed Issue in self service. Proof of good health (evidence of insurability) is never required, however, a 2 year pre-existing conditions clause will apply to increased benefit amounts. LTD elections or increases can only be made during the open enrollment period.

HOW TO ENROLL: 

Elect Guaranteed Issue coverage for Life and LTD on your employee Self Service site by November 19th. To elect Optional Accidental Death and Dismemberment, or to apply for STD or employee and spouse Life Insurance coverage beyond the Guaranteed Issue limits, complete the Optional Application and submit it to Minnesota Management & Budget. If applicable, you will receive the Evidence of Insurability form in the mail, from the insurance company, with instructions.