.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
One Lump Sum Disability
If illness or injury prevents you from working, you can receive income replacement, up to a percentage of your regular pay, to help you maintain financial stability during recovery.
How it Works:
A single, one-time benefit amount payable to an eligible insured who is permanently and totally disabled according to the provision policy.
Benefits offered under One Lump Sum Plan 1:
-
If you become permanently and totally disabled and unable to work for two years or more, a single payment can be made to help meet your additional expenses for immediate needs
-
Flexible coverage options - you pick the benefit amount that suits your budget and needs
-
Guaranteed issue amounts of coverage - no medical underwriting necessary for eligible employees and certain amounts of coverage
-
Doesn't reduce with other income benefits, such as Social Security Disability Insurance or other disability products
-
Waiver of premium
-
Survivor benefit
-
No restrictions on how you spend your money
OneAmerica Disability Monthly Rates
Title Copy | 0-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60+ |
|---|---|---|---|---|---|---|---|---|---|
$10,000 | $0.40 | $0.60 | $0.90 | $1.40 | $2.00 | $3.00 | $4.30 | $6.00 | $11.70 |
$11,000 | $0.44 | $0.66 | $0.99 | $1.54 | $2.20 | $3.30 | $4.73 | $6.60 | $12.87 |
$12,000 | $0.48 | $0.72 | $1.08 | $1.68 | $2.40 | $3.60 | $5.16 | $7.20 | $14.04 |
$13,000 | $0.52 | $0.78 | $1.17 | $1.82 | $2.60 | $3.90 | $5.59 | $7.80 | $15.21 |
$14,000 | $0.56 | $0.84 | $1.26 | $1.96 | $2.80 | $4.20 | $6.02 | $8.40 | $16.38 |
$15,000 | $0.60 | $0.90 | $1.35 | $2.10 | $3.00 | $4.50 | $6.45 | $9.00 | $17.55 |
$16,000 | $0.64 | $0.96 | $1.44 | $2.24 | $3.20 | $4.80 | $6.88 | $9.60 | $18.72 |
$17,000 | $0.68 | $1.02 | $1.53 | $2.38 | $3.40 | $5.10 | $7.31 | $10.20 | $19.89 |
$18,000 | $0.72 | $1.08 | $1.62 | $2.52 | $3.60 | $5.40 | $7.74 | $10.80 | $21.06 |
$19,000 | $0.76 | $1.14 | $1.71 | $2.66 | $3.80 | $5.70 | $8.17 | $11.40 | $22.23 |
$20,000 | $0.80 | $1.20 | $1.80 | $2.80 | $4.00 | $6.00 | $8.60 | $12.00 | $23.40 |
$21,000 | $0.84 | $1.26 | $1.89 | $2.94 | $4.20 | $6.30 | $9.03 | $12.60 | $24.57 |
$22,000 | $0.88 | $1.32 | $1.98 | $3.08 | $4.40 | $6.60 | $9.46 | $13.20 | $25.74 |
$23,000 | $0.92 | $1.38 | $2.07 | $3.22 | $4.60 | $6.90 | $9.89 | $13.80 | $26.91 |
$24,000 | $0.96 | $1.44 | $2.16 | $3.36 | $4.80 | $7.20 | $10.32 | $14.40 | $28.08 |
$25,000 | $1.00 | $1.50 | $2.25 | $3.50 | $5.00 | $7.50 | $10.75 | $15.00 | $29.25 |
$26,000 | $1.04 | $1.56 | $2.34 | $3.64 | $5.20 | $7.80 | $11.18 | $15.60 | $30.42 |
$27,000 | $1.08 | $1.62 | $2.43 | $3.78 | $5.40 | $8.10 | $11.61 | $16.20 | $31.59 |
$28,000 | $1.12 | $1.68 | $2.52 | $3.92 | $5.60 | $8.40 | $12.04 | $16.80 | $32.76 |
$29,000 | $1.16 | $1.74 | $2.61 | $4.06 | $5.80 | $8.70 | $12.47 | $17.40 | $33.93 |
$30,000 | $1.20 | $1.80 | $2.70 | $4.20 | $6.00 | $9.00 | $12.90 | $18.00 | $35.10 |