.png)
All information posted on this site is for Plan Year 2026. For current plan year, please see the Carroll County Schools 2025 Benefit Guide
Voluntary Life
Life insurance is a crucial part of any financial plan. If you pass away unexpectedly, a life insurance policy can help cover medical bills, funeral costs, and living expenses for surviving family members.
Optional Life Insurance
Optional Life Insurance provides the opportunity to supplement benefits provided by Carroll County Schools. You may consider purchasing additional life insurance at favorable group rates.
​
You may also purchase additional Life Insurance for your eligible dependents. Please note that employees who are married cannot be covered as an employee and as a dependent. Dependent child(ren) may only be covered as a dependent under one parent and not both.
OneAmerica Optional Life Insurance
Benefit Amount
An amount elected by you in $10,000 increments
Maximum Benefit
$50,000
Accelerated Death Benefit
Up to 80% of employee amount, not to exceed $25,000
Benefit Reduction Schedule
Spouse coverage ends at age 70
OneAmerica Optional Life Insurance Monthly Rates
Employee Benefit Amount
$10,000
$1.90
$20,000
$3.80
$30,000
$5.70
$40,000
$7.60
$50,000
$9.50
Dependent Benefit Amount
Spouse - $10,000
$3.80
Child(ren) - $5,000
$0.95
Supplemental Life Insurance
At the time of initial enrollment, eligible employees can enroll in the Supplemental Life plan up to the guarantee issue amounts without an Evidence of Insurability (EOI) form.
​
An Evidence of Insurability form will be required for:
-
Enrollment amounts greater than the guaranteed issue level
-
Increase in coverage amount (after initial enrollment period)
-
A new enrollment request that was previously declined
The Evidence of Insurability form can be obtained from the Insurance Department. If you leave employment with Carroll County Schools, you can continue your coverage by paying your premium directly with OneAmerica at adjusted rates.
Supplemental Employee Life (in increments of $10,000, up to $500,000; Guaranteed issue: $250,000)
OneAmerica Supplemental Employee Life Monthly Rates
(per $1,000 of coverage)
Under Age 25
$0.057
25-29
$0.057
30-34
$0.076
35-39
$0.095
40-44
$0.114
45-49
$0.162
50-54
$0.238
55-59
$0.428
60-64
$0.561
65-69
$1.007
70+
$1.615
Supplemental Dependent Life (in increments of $5,0000; Guaranteed issue: $25,000)
​
Spouse Maximum amount: Up to the lesser of 100% of employee benefit amount or $100,000
OneAmerica Supplemental Dependent Life Monthly Rates
(per $1,000 of coverage, based on employee age)
Under Age 25
$0.076
25-29
$0.076
30-34
$0.114
35-39
$0.133
40-44
$0.162
45-49
$0.238
50-54
$0.428
55-59
$0.684
60-64
$1.235
65-69
$2.100
*Cost for child(ren) coverage: flat $5,000 ($0.75 per unit)
Providing Evidence of Insurability (EOI)
If you or your spouse are enrolling in Supplemental Life Insurance for the first time, or if you choose a coverage amount higher than the guaranteed issue limit, you'll need to answer a few medical questions to prove you are in good health.
Complete the EOI application below and submit it to the insurance company. They will review your application and may request additional information or medical exams as part of the evaluation process.
Client ID #U713636