If you have loved ones who depend on your income for support, having life and accidental death insurance can help protect your family's financial security. Protecting your income stream can provide you and your family with peace of mind. Both our Life & Disability coverage is offered through The Hartford.

*PLEASE NOTE: If any information described on this site differs from the plan documents, the plan documents will prevail.

Life and AD&D Insurance

Basic Life Insurance pays your beneficiary a lump sum if you die. AD&D provides another layer of benefits to either you or your beneficiary if you suffer from loss of a limb, speech, sight, or hearing, or if you die in an accident. All benefit eligible employees and their dependents are automatically enrolled in Basic Life and AD&D, which is 100% paid for by SOCCCD.

Employee Basic Life Amount At least 2x annual earnings, up to a maximum amount
(varies based on current negotiated contracts)
Employee Basic AD&D Amount At least 2x annual earnings, up to a maximum amount
(varies based on current negotiated contracts)
Spouse Basic Life Amount $2,000
Child(ren) Basic Life Amount $2,000

Voluntary Life Insurance

Voluntary Life Insurance allows you to purchase additional life insurance to protect your family's financial security.

Employee Voluntary Life Amount
  • Minimum of $10,000
  • Up to a maximum of $500,000; not to exceed 5x earnings
  • In increments of $10,000
  • $200,000 Guaranteed Issue
Spouse Voluntary Life Amount
  • Minimum of $5,000
  • Up to a maximum of $500,000; not to exceed 100% employee amount
  • In increments of $5,000
  • $35,000 Guaranteed Issue
Child(ren) Voluntary Life Amount
  • Minimum of $2,500
  • Maximum of $10,000
  • $10,000 Guaranteed Issue

Please Note:

  • Employees can increase up to $40,000 in insurance coverage each year during open enrollment without having to provide an EOI. An EOI will be required for voluntary life elections beyond the guaranteed issue amount of $200,000.
  • Beneficiary Reminder: Make sure that you have named a beneficiary for your life insurance benefit. It's important to know that many states require that a spouse be named as the beneficiary, unless they sign a waiver.

Long Term Disability (LTD) Insurance

Long-Term Disability coverage pays you a certain percentage of your income if you can't work because an injury or illness prevents you from performing any of your
job functions over a long time. It's important to know that benefits are reduced by income from other benefits you might receive while disabled, like workers' compensation and Social Security.

Monthly Benefit Amount Plan pays 66 2/3% of covered monthly earnings
Maximum Monthly Benefit


Benefit Begins:

  • Accident
  • Sickness


  • 90 days
  • 90 days
Maximum Payment Period
(the age at which the disability begins
may affect the duration of the benefit)
Varies based on current negotiated contracts


Making Plan Changes

To make changes to your life plans, including address or name changes, adding or deleting dependents, etc.

  1. Complete the following form: 
  2. Submit it to the Employee Benefits department
  3. If making a change due to a qualifying event such as marriage, divorce, birth of a child, etc., please make sure you submit your change form within 30 days of the qualifying event date

Life/AD&D and LTD Insurance Terms & Definitions

Evidence of Insurability (EOI)

Depending on the amount of coverage you select, you may need to submit an Evidence of Insurability form, which involves providing the insurance company with additional information about your health, sometimes including a health questionnaire or health exam. Also referred to as health questions or proof of good health.

Guaranteed Issue

Coverage amounts that you may purchase and are guaranteed to be issued without the need for an EOI.

Maximum Payment Period

Applies to disability insurance and describes the duration that the benefits will be paid.