Ancillary Voluntary Insurance Coverages
2025 MetLife Insurance Plans
Rutherford County BOE provides eligible employees $35,000 of term life insurance as part of the benefit package. Eligibility for the benefit is determined by the same guidelines for all other benefits.
- Full time employees
- Elected public officials
- Part-time employees who work at least thirty (30) hours per week
Eligible employees may purchase additional life insurance on themselves, spouse, domestic partner or child(ren).
Any and all additional coverage is subject to plan guidelines as stated in the life insurance policy.
For claims and other questions please call the Rutherford County BOE Insurance Department or email [email protected]
If you are leaving employment with Rutherford County, please contact MetLife for Life Insurance options.
MetLife Phone: 1-800-438-6388
For more information regarding MetLife Insurance click on the link: MetLife
2026 The Standard Basic Life and AD&D Insurance Plans
Rutherford County BOE provides eligible employees $50,000 of term life insurance as part of the benefit package. Eligibility for the benefit is determined by the same guidelines for all other benefits.
- Full time employees
- Elected public officials
- Part-time employees who work at least thirty (30) hours per week
Eligible employees may purchase additional life insurance on themselves, spouse, domestic partner or child(ren).
Any and all additional coverage is subject to plan guidelines as stated in the life insurance policy.
Phone 800-628-8600
For questions, please call the RCS Insurance Department or email [email protected]
Flexible and Dependent Flexible Spending Accounts
Rutherford County BOE offers the opportunity for employees to contribute pre tax dollars to Flexible Spending Accounts (FSAs), commonly referred to as “Section 125” plans or “Cafeteria” plans. These were developed as part of Internal Revenue Code Section 125 to provide employees with tax relief for medical and dependent day-care costs. FSAs enable employees to utilize pre-tax dollars and save Federal, FICA, and, in most cases, state taxes when paying for eligible expenses not covered by traditional insurance plans.
Although FSAs have been available for many years, the emergence of consumer-driven healthcare and increased employee cost-sharing has made them an integral benefits solution that provides substantial tax savings to both employers and employees.
Rutherford County offers two types of Flexible Spending Accounts
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- Healthcare Flexible Spending Accounts (HCFSA): Accounts used to pay for eligible medical expenses such as copays, deductibles, dental, vision, prescription, over-the-counter drugs, and more.
- Dependent Care Flexible Spending Accounts (DCFSA): Accounts used to pay for the daily care of an eligible child or adult dependent as defined by the IRS.
Click the links below for more information about the Healthcare Flexible Spending Account and Dependent Care Flexible Spending Account currently managed by HealthEquity. For more information, please reach out to HealthEquity at 877-924-3967 or visit their website at www.healthequity.com/wageworks.
Rutherford County BOE offers employees an opportunity to acquire and participate in various other plans i.e. Accident, Cancer, Hospital Supplementary Plan etc. Plans as stated above are voluntary with some plans subject to pretax premium deduction.
Critical Illness and Accident Insurance is provided through MetLife. For any questions regarding claims, coverage or portability, you can reach MetLife customer service at 1-800-438-6388 or go online to: www.mybenefits.metlife.com.
To learn more about MetLife benefits, visit the microsite online: www.metlife.com/rutherford
Securian Financial at 1-888-658-0193.
costs. Visit securian.com/rutherford-county-insurance.
The County offers voluntary STD coverage through The Standard effective January 01, 2021.
STD replaces a portion of your pay if you can't work because of illness, non-work-related injury or pregnancy.
- You can report a claim up to 4 weeks in advance.
- The plan can pay up to 60% of your pay, up to$1,250/week (limits may apply)
- Cannot use with OJI (on-the-job) injury
- Benefits can be reduced by other income (Medicare, Social Security, etc.)
- Waiting period of 0 days for accidental injury & 7 days for physical disease, pregnancy, or mental disorder
- If currently an employee and choosing to elect STD and not having it the previous year, benefits begin after 60 days extended waiting period or after 12 months benefits will begin after 7 days waiting period.
- Increases will be subjected to the 60-day extended waiting period for the first 12-month period of the most recent date your insurance becomes effective
Rutherford County BOE provides eligible employees a LTD insurance plan as part of the benefit package. Eligibility for the benefit is determined by the same guidelines for all other benefits:
All Full-time active and Part-time active employees working at least 30 hours per week Board of Education, who are citizens or legal residents of the United States, its territories and protectorates, excluding temporary, leased or seasonal employees.
- The insured plan provides a benefit of 66.67% of your earnings to a maximum of $6,000 per month. You must be disabled for at least 180 days before you are eligible to receive the LTD benefit.
- Coverage as well as the actual benefit are subject to the terms and conditions of the policy
Note: Plan effective date is January 1, 2021.
Disclaimer
“The LTD and STD certificates describes coverage provided to persons who are eligible and who have been properly enrolled under the terms of the policy, and that the terms of the master policy are controlling.”