Welcome

Welcome to your Benefit Resource Center — your go-to spot for all things benefits! We’re committed to supporting you and your family with clear, easy-to-access information so you can make the best choices for your well-being and financial security.

Here, you can:

📄 Review benefit summaries

🔗 Connect directly to your enrollment portals

📝 Access important forms

📞 Find customer service resources

If you have questions or need help, our dedicated NFP Call Center is just a click or call away:

Phone: (800) 994-7429

Email: NFPsecustomerService@NFP.com

We are here for you all year long!

How to Access Your Benefits

🖥️ Employee Navigator Login Info

This is your central hub to manage your benefits anytime, all year long. Use this site to:

• Update your benefits during open enrollment

• Complete your new hire enrollments

• Submit qualifying life events (like marriage, birth, or address changes)

• Review your current coverage and beneficiary information

Make sure to log in here whenever you need to make changes or check details about your benefits.

✅ How to Log In (Employee Navigator)

Go to: www.employeenavigator.com

Click Login if you are a returning user and enter your username and password.
If you forgot your password, select Reset a forgotten password.
If you are a first-time user, click Register to create your account.

Company Identifier: Calhoun26

If you get locked out or need further assistance accessing your benefits account, please contact the NFP Call Center at:

📞 (800) 994-7429

Our Client Advocates are available to help you with login issues, password resets, and general benefit questions.

Eligibility

Welcome to your eligibility overview!

This section helps you understand who qualifies for benefits and important timelines for enrolling or making changes. Check your plan details below to confirm specific rules that apply to you and your family.

New Hire Info

Select your benefits through the enrollment portal (see links below).

You’ll have 30 days from your hire date to enroll in your benefits.

After you make your elections, your benefits will become effective on 1st of the month following full 30 days.

For example:

If you are hired in January, the effective date of coverage will be March 1st.

💡 Payroll Deductions

Timing may vary — please check with Amanda Draper–Calhoun County HR for confirmation.

📌 Reminders

You are required to provide full details for any dependents or beneficiaries, including:

Full Name
Date of Birth
Social Security Number

⚠️ Missing your enrollment window may result in delayed coverage or limited plan options.

2026 – Benefit Enrollment Guide

Qualifying Life Events

When Can I Change My Coverage?

Your benefit elections typically remain in place for the entire plan year—unless you experience a Qualifying Life Event (QLE).

Common QLEs include:

🧑‍🤝‍🧑 Changes in marital status

Marriage, divorce, legal separation, annulment, or death of a spouse.

👶 Change in dependent status

Birth, adoption, placement of a foster child, legal guardianship, or death of a covered child.

👔 Employment changes

Gain or loss of employment for you or your spouse, changes in work schedule (full-time/part-time), or return from unpaid leave.

🩺 Eligibility for other coverage

Gaining or losing coverage through Medicare, Medicaid, CHIP, PeachCare, or a spouse’s employer plan.

⚠️ Important:

You must report your Qualifying Life Event within 30 days of the event.

Missing this deadline may result in delayed or denied changes—you’ll have to wait until the next Open Enrollment period.

📎 Supporting Documentation

To process your change, you’ll need to provide proof of the event, such as:

Marriage certificate
Divorce decree
Birth certificate or hospital record
Legal adoption/guardianship paperwork
Death certificate
COBRA or loss of coverage letter
State Medicaid/PeachCare documentation

Calhoun County may have specific documentation requirements. Please contact your HR or Benefits Team or refer to the Contacts tab for guidance.

📲 How to Declare a QLE

Log into the enrollment portal or contact NFP for help submitting your change:

📞 (800) 994-7429

We recommend keeping records of any confirmations or receipts you receive during the change process.

💡 Note: A newborn is typically covered for the first 30 days after birth. To continue coverage, you must enroll your child within the QLE window. Otherwise, coverage may be terminated retroactively to the date of birth.

Post-Employment Coverage

What happens to your benefits when your employment ends?

When your employment ends, it’s important to understand what happens to your benefits. This section provides a general overview of what to expect after separation, including how long your coverage may remain active and options that may be available to continue your benefits.

Coverage typically remains in effect for a defined period of time following separation, but this timing can vary by employer and benefit type. Be sure to review the Coverage End Dates section for details specific to your situation.

In many cases, you may also have the opportunity to continue certain benefits through COBRA or another continuation program. Additional information can be found in the COBRA & Continuation section.

Cobra & Continuation of Coverage

AdminAmerica

Group Number: Calhoun County Commission | (678) 578-4638 | COBRA Administration

COBRA (Consolidated Omnibus Budget Reconciliation Act) provides eligible employees and their dependents the option to continue certain health benefits after employment ends or following a qualifying event.

Key points about COBRA continuation coverage:

Eligibility depends on your employer’s group size and the type of benefits offered.
Coverage is typically available for a limited time period, which varies by plan and event.
You may be responsible for paying the full premium cost, plus any administrative fees.
Enrollment and payment deadlines apply, so it’s important to review all COBRA notices carefully.

For specific details on COBRA eligibility, coverage duration, and costs for your group, please refer to your benefits administrator or HR contact.

Supplemental Medical

Group Number: AGC0006166553 | (800) 433-3036 | www.aflacgroupinsurance.com

Supplemental medical plans provide added financial protection for life’s unexpected moments. These plans are designed to work alongside your primary medical coverage by offering cash benefits when you need them most—like during an accident, a serious illness, or a hospital stay.

💡 Why Consider Supplemental Medical?

These plans can help cover costs such as deductibles, copays, travel expenses, or lost income due to time away from work. Benefits are paid directly to you (unless otherwise assigned), giving you flexibility in how you use the funds.

🛠 How to Use:

Review available plans and coverage levels in your enrollment system or benefit guide
Elect coverage during Open Enrollment or within 30 days of a qualifying life event
File claims directly through Aflac using their online portal, mobile app, or customer service line

📲 Tip: Supplemental benefits are often portable—meaning you may be able to take them with you if you leave your job (contact the carrier for details).

Accident Insurance

💥 Aflac – Accident Insurance

Accident insurance helps cover unexpected costs resulting from injuries caused by accidents—whether it’s a trip to the ER, a hospital stay, or follow-up care. This coverage provides financial protection when the unexpected happens.

💡 Key Features:

Lump-sum cash benefits for covered injuries
Coverage includes emergency room visits, hospital stays, rehab, and follow-up treatments
Wellness benefits and lodging assistance may apply
Benefits are paid directly to you, not the provider

📝 Plan Details (via Aflac):

Guaranteed Issue – no medical questions required
Benefits may include: ER visits, rehabilitation, wellness screenings, dismemberment, lodging, and more
Hospital Admission Benefit: $2,500 per admission (injury or covered sickness)
One-time payout per accident/sickness per confinement
Must be admitted within [INSERT] months of the accident
Observation unit, emergency treatment, or outpatient services do not qualify

💳 Monthly Rates:

Employee Only: $13.30
Employee + Spouse: $21.14
Employee + Children: $22.58
Family: $30.42

🗓 Enrollment:

Available during open enrollment or when you experience a qualifying life event.

✨ Wellness Benefit (Employee, Spouse and Children):

This plan includes a $50 Wellness Benefit that provides cash payments for covered preventive screenings such as mammograms, colonoscopies, PSA tests, cholesterol tests, and more. This helps support your proactive health care.

Critical Illness Insurance

❤️ Aflac – Critical Illness Insurance

Critical Illness insurance provides a financial safety net if you’re diagnosed with a serious health condition such as cancer, heart attack, or stroke. This plan pays a lump-sum benefit directly to you, helping cover medical costs, household expenses, or other financial needs during your recovery.

💡 Key Benefits:

Lump-sum payment upon first diagnosis of a covered condition
Use the benefit however you choose—no restrictions
Helps reduce financial stress so you can focus on healing

🩺 Covered Conditions Include:

Cancer (invasive and in situ), heart attack, stroke, major organ transplant
Renal failure, coma, paralysis, severe burns, Alzheimer’s disease, Parkinson’s disease
Coronary bypass: 25% payout
Carcinoma in situ: 25% payout
Skin cancer: $250 per calendar year

👨‍👩‍👧 Plan Highlights (via Aflac):

First Occurrence Benefit: Up to $30,000 (Employee), up to $30,000 (Spouse)
Child Coverage: 50% of employee benefit amount at no additional cost
Additional Occurrence Benefit: Full payout for a second different illness (6-month separation required)
Re-occurrence Benefit: Full payout for the same condition (12 months cancer treatment-free)
Wellness Benefit: $50 annually for screenings (employee and spouse only)
Guaranteed issue – no medical questions at enrollment

🗓 Enrollment:

Available during open enrollment or following a qualifying life event (QLE).

✨ Wellness Benefit (Employee & Spouse Only):

Hospital Indemnity Insurance

🏥 Aflac – Hospital Indemnity Insurance

Hospital Indemnity insurance helps cover out-of-pocket expenses when you’re admitted to the hospital. It pays a fixed cash benefit directly to you, which can be used for medical bills, travel, childcare, or any other costs during your recovery.

💡 Key Benefits:

Lump-sum cash benefit for hospital admission
Daily cash payments for hospital or ICU stays
Helps offset deductibles, copays, and other non-covered medical costs
Provides peace of mind when the unexpected happens

🏨 Plan Highlights (via Aflac):

Hospital Admission (per confinement): $2,000 (paid first day)
Daily Hospital Confinement: $200/day (31 days Max)
ICU Stay: Additional $400/day (10 days Max)
Coverage includes wellness screenings once every 12 months
Portable coverage available if you leave your job

💳 Monthly Rates:

Employee Only: $19.54
Employee + Spouse: $45.68
Employee + Children: $38.04
Family: $64.18

🗓 Enrollment:

Available during your benefits enrollment period or following qualifying life events (QLE).

✨ Wellness Benefit (Employee Only):

Vision

Group Number: 5782015 | (800) 942-0854 | Vision Insurance | MetLife

Calhoun County offers vision coverage through MetLife's VSP Network to help you, and your family maintain healthy eyesight and afford the cost of routine eye care. This plan covers eye exams, lenses, frames, and contact lenses, providing support for your vision needs throughout the year.

Whether it’s a regular checkup or new prescription eyewear, vision benefits help keep your eyes clear and comfortable—so you can focus on what matters most.

For detailed plan information, please refer to the vision plan tabs below.

Life & Disability

Life is unpredictable, but with the right protection in place, you and your loved ones can have peace of mind. Through The Hartford & Aflac, Calhoun County offers a comprehensive package of life and disability insurance options designed to support you in times of need.

🌟 Coverage at a Glance

Here’s what’s typically included in your benefits package:

Basic Life and AD&D Insurance: Provides financial protection for your beneficiaries in the event of your death or a covered accidental injury or loss. This coverage is often provided at no cost to you.

Voluntary Life Insurance: Offers the option to purchase additional life insurance for yourself, your spouse, and your dependents. You can tailor the amount to your personal financial planning needs.

Permanent Life Insurance: Provides lifelong protection with flexible premiums and the potential to build cash value over time. Offers living benefits that can help cover long-term care needs, and can be adjusted as your financial goals and coverage needs evolve.

Short-Term Disability (STD): Helps replace a portion of your income if you're unable to work due to a non-work-related illness, injury, or recovery period (such as maternity leave).

Long-Term Disability (LTD): Offers income replacement for extended illnesses or injuries that prevent you from returning to work for a longer period.

Basic Life and AD&D

🕊️ The Hartford – Basic Life and AD&D

Group Number: 929112 | (800) 523-2233 | www.thehartford.com

Calhoun County provides Basic Life and Accidental Death & Dismemberment (AD&D) insurance at no cost to eligible employees. This benefit offers financial protection in the event of death or a covered accidental injury.

💡 Key Features

📏 Coverage Amount:

👤 Employee Basic Life: $50,000

👨‍👩‍👧 Spouse Coverage: $25,000

👶 Child Coverage: $10,000 (live birth to age 26)

⚡ AD&D Benefit:

Benefit amount equals your Basic Life coverage ($50,000)
Pays an additional benefit if death or serious injury occurs due to a covered accident

💵 Premiums:

100% paid by Calhoun County

📝 Beneficiary Designation:

You must name a beneficiary during enrollment.
Primary and contingent (secondary) beneficiaries are recommended
Beneficiary designations can be updated at any time
Ensures benefits are distributed according to your wishes

🔁 Portability:

Coverage may be continued if you leave employment or retire (subject to plan rules)
Option to convert coverage to an individual policy when eligibility ends

🛡️ Coverage Effective Date:

Begins 1st of the month following 30 full days of employment

2026 – Summary – Hartford – Basic Life C2

Voluntary Life Insurance

➕ The Hartford – Voluntary Life

Group Number: 929112 | (800) 523-2233 | www.thehartford.com

Voluntary Life and Accidental Death & Dismemberment (AD&D) insurance allows you to purchase additional financial protection for yourself, your spouse, and your eligible children. Coverage is paid through payroll deduction and is optional.

💼 Eligibility

Available to all eligible employees of Calhoun County

🧍 Employee Coverage

• Elect in $10,000 increments

• Up to a maximum of 5x annual salary or $500,000

• New Hires: May elect up to $250,000 or 5x salary (whichever is less) with no medical questions

• EOI required: For any amount above guaranteed issue or if enrolling outside the initial eligibility period

💍 Spouse Coverage

• Elect in $5,000 increments

• Up to $250,000, not to exceed 50% of employee coverage

• Guaranteed Issue (GI): $50,000 with no medical questions (new hire eligibility)

• EOI required: For coverage over guaranteed issue or if applying late

👶 Child(ren) Coverage

• Flat amount of $10,000

• Covers dependent children from birth through age 26

• No EOI required

💵 Cost

Paid by employee through payroll deduction
Premiums are age-rated

🔁 Portability

Coverage may be continued if employment ends (subject to plan rules)
Option to convert to an individual policy when coverage ends

📝 Beneficiary Designation

Employees must name a beneficiary when enrolling and may update at any time

⚡ Key Rules (EOI & GI)

Guaranteed Issue applies only at initial eligibility or qualifying enrollment period
Coverage above GI requires Evidence of Insurability (EOI)
Employees are responsible for completing and submitting EOI when required

2026 – Summary – Hartford – Life&ADD

Permanent Life Insurance

🛡️Aflac – Permanent Life Insurance

Group Number: AGC0006166553 | (800) 433-3036 | www.aflacgroupinsurance.com

Permanent Life Insurance with Long Term Care (LTC) provides lifelong financial protection while also offering living benefits for long-term care needs such as home healthcare, assisted living, adult day care, and nursing home care. This policy is designed to stay with you through retirement or job changes and includes built-in long-term care benefits if needed.

⚙️ How It Works

If a claim is made, your beneficiary receives the full death benefit. If you become eligible for long-term care, you may receive up to 6% of your benefit amount per month for up to 32 months to help cover care-related expenses.

👨‍👩‍👧 Coverage Options

Employee: Up to $50,000
Spouse: Lessor of $25,000 or 50% of employee benefit amount
Children: $25,000

💡 Plan Features

Provides permanent life insurance protection with living long-term care benefits
Benefits available for home healthcare, assisted living, adult day care, and nursing home care
Benefit restoration feature reinstates benefits used for LTC
Extension of LTC benefits available for additional coverage duration
Coverage available for employees, spouses, and children
Benefits are paid directly to you for flexibility in care decisions
Streamlined underwriting for a simple enrollment process
Portable coverage that stays with you even after leaving employment

Short-Term Disability (STD)

🦽 The Hartford – Short-Term Disability (STD)

Group Number: 929112 | (800) 523-2233 | www.thehartford.com

Short-Term Disability (STD) insurance provides income protection if you’re temporarily unable to work due to illness, injury, or childbirth. This benefit helps replace a portion of your income so you can focus on recovery—not financial strain.

💡 Key Features

• Income Replacement: 60% of weekly earnings, up to $1,500 per week

• Elimination Period: 7 days

• Benefit Duration: Up to 12 weeks

• Sick Leave Requirement: None

• Pre-Existing Condition Clause: 3/3/12 — A pre-existing condition is a condition for which you received treatment, consultation, care, diagnostic services, or took prescribed medication during the 3 months before your coverage effective date. Benefits are not payable for pre-existing conditions until you have been treatment-free for 3 months and insured under the plan for 12 consecutive months.

• Late Entrant Rule: Employees who do not enroll within 31 days of first becoming eligible may be required to complete Evidence of Insurability (EOI). Coverage for late entrants may also be subject to pre-existing condition limitations.

2026 – Summary – Hartford – Vol STD

Long-Term Disability (LTD)

🧑‍🦼 The Hartford – Long-Term Disability (LTD)

Group Number: 929112 | (800) 523-2233 | www.thehartford.com

Long-Term Disability (LTD) insurance provides ongoing income protection if you're unable to work for an extended period due to a qualifying disability. This benefit typically begins after Short-Term Disability (STD) benefits have been exhausted and helps protect your financial stability over the long term.

💡 Key Features

• Income Replacement: 60% of monthly earnings, up to a maximum benefit of $10,000 per month

• Elimination Period: 90 days (typically begins after STD ends)

• Benefit Duration: Payments will continue for as long as you remain disabled, or until you reach your Normal Social Security Retirement Age—whichever comes first. You must be sick or disabled for the entire elimination period before benefit payments can begin.

• Pre-Existing Condition Clause: 3/12–Pre-existing conditions are defined as any condition for which you received medical treatment, care, consultation, diagnostic testing, or prescription medication during the 3 months prior to your policy’s effective date. To be eligible for coverage, you must also have had a 3-month period without treatment for that condition. Pre-existing conditions are not covered during the first 12 months of coverage.

2026 – Summary – Hartford – Vol LTD C1

2026 – Summary – Hartford – Vol LTD C2

Well-Being

Calhoun County is committed to supporting your overall health and wellness through a variety of programs and resources. This section includes important benefits designed to help you stay healthy, access convenient care, and find support when you need it.

Key areas include:

• Employee Support — Confidential assistance for personal and family challenges

Explore each area below for more details and how to take advantage of these benefits.

Employee Support

🌿 TELUS Health – EAP (Employee Assistance Program)

Username: calhouncounty | PW: eap | (855) 207-1747| one.telushealth.com

Life can be complex, and support should be simple to access. Calhoun County partners with TELUS Health to provide a confidential Employee Assistance Program (EAP) designed to support you and your household through life’s everyday challenges and unexpected moments.

This program offers 24/7, 365-day access to professional support across emotional, mental, financial, legal, and family wellbeing needs.

Here’s what’s included:

Coverage: 5 sessions per issue
Support Areas:

🧠 Stress, anxiety, grief, and emotional concerns

👨‍👩‍👧 Family and relationship issues (parenting, divorce, caregiving)

🏥 Health and wellbeing (mental health, sleep, addiction, nutrition)

💼 Work challenges (stress, communication, career concerns)

💰 Money and legal questions (budgeting, debt, housing, legal support)

📌 Cost & Access

Cost: $0 – fully covered by Calhoun County
Available 24/7, 365 days a year
Confidential support for employees and family members
Access via phone or online

2026 – TELUS Health – App

2026 – TELUS Health – Wallet Card

2026 – TELUS Health – EAP Overview

2026 – TELUS Health – EAP Poster

2026 – TELUS Health – Financial Overview

Additional Benefits

🐾 MetLife – Pet Insurance

Group #: 5782015 | (888) 271-2691 | MetLife Pet Insurance

MetLife Pet Insurance helps protect both your pet’s health and your wallet from unexpected veterinary expenses. With flexible coverage options and year-round enrollment, employees can choose a plan that fits their pet’s needs and their budget.

This is a voluntary benefit and is not payroll deducted. Employees enroll directly through MetLife at any time during the year.

🐶 Why Pet Insurance?

Paws up for protection that goes beyond routine care. Veterinary costs can add up quickly, and this coverage helps ensure you can focus on your pet’s health—not the bill.

💡 Plan Highlights

Up to 90% reimbursement for eligible vet bills (including illness and injury)
Discounts of up to 30%
Optional wellness coverage for routine care (vaccines, exams, prevention)
Coverage for vet-prescribed food, supplements, and holistic treatments
24/7 live chat access with licensed veterinarians
Coverage for up to 3 pets under one policy and annual limit
Prior coverage consideration for eligible pre-existing conditions (if previously insured)

🧭 How It Works

Choose your coverage level, enroll directly with MetLife, and manage your policy outside of payroll deduction. When your pet needs care, submit claims and receive reimbursement based on your plan benefits.

📌 Good to Know

Enroll anytime throughout the year
This benefit is not deducted through payroll
Coverage and pricing vary based on pet type, age, and location

Contacts

NFP an Aon Company

NFPseCustomerService@nfp.com

(800) 994-7429

Amanda Draper

(256) 241-2808 | (256) 241-2810

hr@calhouncounty.org

Calhoun County HR

MetLife

Vision Insurance | MetLife

(800) 942-0854

Vision (Via VSP Network)

Health Equity

www.healthequity.com

(877) 924-3967

Flexible Spending Account (FSA)

The Hartford

www.thehartford.com

(800) 523-2233

Basic Life, Vol Life, STD, & LTD

Aflac

www.aflacgroupinsurance.com

(800) 433-3036

Accident, Critical, Hospital & Perm Life

MetLife

MetLife Pet Insurance

(888) 271-2691

Pet Insurance

TELUS Health

one.telushealth.com

(855) 207-1747

Employee Assistance Program (EAP)

AdminAmerica

adminamerica.com

Main Line: (770) 992-5959

COBRA: (678) 578-4638

customerservice@adminamerica.com

COBRA@adminamerica.com

Calhoun County Commission

Table of Content

Welcome

Plan Year Dates

How to Use This Site

How to Access Your Benefits

Eligibility

Employee Eligibility

Dependent Eligibility

New Hire Info

2026 – Benefit Enrollment Guide

2026 – Benefit Enrollment Guide

Qualifying Life Events

Post-Employment Coverage

Coverage End Dates

Cobra & Continuation of Coverage

Supplemental Medical

Accident Insurance

Critical Illness Insurance

Hospital Indemnity Insurance

Vision

Plan I

Life & Disability

Basic Life and AD&D

💡 Key Features

2026 – Summary – Hartford – Basic Life C2

2026 – Summary – Hartford – Basic Life C2

Voluntary Life Insurance

2026 – Summary – Hartford – Life&ADD

2026 – Summary – Hartford – Life&ADD

Permanent Life Insurance

Short-Term Disability (STD)

2026 – Summary – Hartford – Vol STD

2026 – Summary – Hartford – Vol STD

Long-Term Disability (LTD)

2026 – Summary – Hartford – Vol LTD C1

2026 – Summary – Hartford – Vol LTD C1

2026 – Summary – Hartford – Vol LTD C2

2026 – Summary – Hartford – Vol LTD C2

Well-Being

Employee Support

2026 – TELUS Health – App

2026 – TELUS Health – App

2026 – TELUS Health – Wallet Card

2026 – TELUS Health – Wallet Card

2026 – TELUS Health – EAP Overview

2026 – TELUS Health – EAP Overview

2026 – TELUS Health – EAP Poster

2026 – TELUS Health – EAP Poster

2026 – TELUS Health – Financial Overview

2026 – TELUS Health – Financial Overview

Additional Benefits

Contacts