Plan E participants in Options, Choices, and Flex are covered by a $10,000 basic term life insurance plan paid by the County. Options and Choices participants may elect to purchase additional term life insurance. Flex and MegaFlex participants may elect to purchase Group Variable Universal Life (GVUL) insurance.
Plan E MegaFlex participants may opt to purchase a County-sponsored life insurance plan known as the Survivor Income Benefit (SIB). Upon your death, SIB provides your survivors with a benefit equal to 25 or 50 percent of your monthly earnings.
County of Los Angeles Long-Term Disability & Survivor Benefit
LACERA does not provide disability retirement benefits or pre-retirement death benefits under Plan E. However, the County-sponsored Long-Term Disability and Survivor Benefit Plan provides benefits if you become disabled during active service. If you die while receiving benefits under this plan, coverage will be extended to your eligible survivor.
However, if you are not receiving LTD and you die during active service, your survivor will not be eligible for continuing benefits through LTD or LACERA. Your eligible survivor would receive only a monthly lifetime benefit if you had purchased SIB.
Contact your Department for details on County-sponsored insurance plans. LACERA does not sponsor or administer these plans.
*Certain conditions and restrictions apply. County-sponsored benefits vary according to the benefits plan.