Voluntary Life Insurance

Open enrollment for enrolled providers is May 15th – June 30th, every year. Coverage effective date is July 1st of every year.

For all newly enrolled providers, you must elect coverage within 30 days of Fund approval.

Guardian X Legaci. The customer service number is (661) 542-4477.

Yes, if you are enrolled in the CCPU Health Care Fund, you are eligible to apply for Voluntary Life Insurance.

To qualify for enrollment in the CCPU Health Care Fund, you must meet the following criteria:

• Have at least one subsidized child on your child care roster.

• Submit a completed application to the Fund.

• If you want to access Reimbursement benefits, you must also be enrolled in a Qualified Health Plan (such as Covered California Silver HMO, Medi-Cal, Medicare, or an employer-sponsored plan) and submit proof of coverage.

Reminder: Even if you do not submit proof of a Qualified Health Plan, once eligible you will still have access to ancillary benefits (Basic Group Term Life, Provider Assistance Program, dental, and vision).

Providers have the option to purchase Voluntary Life benefits for themselves, up to $500,000, with a guaranteed issue amount of $200,000.

They may also purchase up to $200,000 for their spouse with a guaranteed issue amount of $50,000.

Lastly, providers may purchase up to $10,000 for their children, with a guaranteed amount of $10,000, in increments of $5,000.

If you’re already enrolled in the Health Care Fund, you would need to sign up during open enrollment May 15th – June 30th. After that, you’ll need to wait until next year’s open enrollment period.

If you are not currently enrolled, you will have an open enrollment period of 30 days granted upon Fund program approval to elect coverage.

No. Currently there is only a paper application for Voluntary life. You can fill it out and mail it back to the CCPU Health Care Fund or take a picture or scan it and email it to [email protected].

Yes, you need to apply for the Voluntary Life Insurance program. Unlike Basic Group Term Life, Voluntary Life is not automatic. See application forms above.

Yes. Providers will pay 100% of the policy costs. The amount is dependent on the amount of coverage you elect.

If you enroll in Voluntary Life Insurance, you will pay your premium monthly. You may do so via mail or electronically. If you choose to pay electronically, fees will apply.

Providers who complete and submit a Voluntary Life application will receive a Welcome Letter with a registration code to make their premium payment on the payment site https://cobrapoint.benaissance.com/.

This is an optional payment method. Providers can also set up automatic monthly ACH payments via the payment site.

The CCPU Health Care Fund allows you to add spouse and dependents to Voluntary Life Insurance benefits.

Remember, in order to cover your spouse and/or dependents, you must also purchase Voluntary coverage for yourself (the childcare provider)

Yes. For voluntary life, your elected coverage amount will reduce by 35% when you turn 65 and by 50% when you turn 70. For example, if you select $100,000 as your coverage, when you turn 65, this benefit will reduce to $65,000 and when you reach 70, it will reduce to $50,000 in coverage. Your premium does not adjust and remains the same.

If you are no longer enrolled in the CCPU Health Care Fund, your Voluntary Life Insurance coverage will end at age 70.

Beginning at age 65, your benefit amount is reduced to 65% of the original coverage amount.

If you reach the age of 70+ and are still actively enrolled in the Fund, your benefits will not terminate.

Unfortunately, no. Providers may only purchase coverage for their spouse/registered domestic partner and children under age 26. These family members must also be added to the Provider’s Health Care Fund application and be eligible for Family benefits.

Providers may select up to 50% of their own voluntary life benefit amount for their spouse’s benefit amount. For example, if a provider selects a benefit amount of $100,000 for themselves, the most they can select for their spouse is $50,000.