Lowndes County Board of Commissioners

Employee Benefits Portal

Questions? Contact HR or Call: 229-247-6411

Your Employee Benefits

Comprehensive coverage to protect you and your family

Schedule a Benefits Review

Your Benefit Options

Click on any benefit below to view detailed coverage information

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Dental Insurance

Ameritas comprehensive dental coverage with preventive, basic, and major services.

  • Preventive: 100% Coverage
  • Basic: 80% Coverage
  • Major: 50% Coverage
  • Annual Max: $2,500
  • Orthodontia: $1,000 Lifetime
View Details โ†’
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Vision Insurance

VSP Vision coverage for comprehensive eye care and eyewear benefits.

  • Eye Exam: Covered in Full
  • Frames: $150 Allowance
  • Lenses: Covered in Full
  • Contacts: $150 Allowance
  • Frequency: 12/24 Months
View Details โ†’
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Life & AD&D

OneAmerica voluntary term life and AD&D protection for your family.

  • Coverage: $10k - $500k
  • Guarantee Issue: $100,000
  • Spouse: Up to $250k
  • Children: $10,000
  • Portable: Yes
View Details โ†’
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Disability Insurance

Income protection through short and long-term disability coverage.

  • LTD: 60% to $2,000/mo
  • LTD Wait: 180 Days
  • STD: Up to $5,000/mo
  • STD Duration: 6 Months
  • Portability: Available
View Details โ†’
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Accident Insurance

Allstate accident coverage for injuries on and off the job, 24 hours a day.

  • Coverage: 24/7 Protection
  • Emergency Room: Benefit Paid
  • Hospital: Admission Benefits
  • Follow-up: Treatment Coverage
  • Physical Therapy: 6 Sessions
View Details โ†’
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Critical Illness

Lump sum benefits for major health conditions through Allstate Benefits.

  • Heart Attack: 100% Benefit
  • Stroke: 100% Benefit
  • Cancer: 100% Invasive
  • Plans: $10k, $20k, $30k
  • Wellness: $100 Annual
View Details โ†’
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Cancer Insurance

Comprehensive cancer and specified disease coverage through Allstate.

  • Initial Diagnosis: Lump Sum
  • Treatment: Radiation/Chemo
  • Hospital: Daily Benefits
  • Surgery: Per Procedure
  • 29 Diseases: Covered
View Details โ†’
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Hospital Indemnity

Cash benefits for hospital stays and medical procedures through Allstate.

  • Initial Admission: Lump Sum
  • Daily Confinement: 180 Days
  • ICU: Up to 60 Days
  • Surgery: Benefits Paid
  • Emergency: ER Coverage
View Details โ†’
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Whole Life

Allstate permanent life insurance with cash value accumulation.

  • Coverage: Lifetime to 121
  • Premiums: Fixed to Age 95
  • Cash Value: Guaranteed
  • Riders: Available
  • Tax Benefits: Yes
View Details โ†’

Enrollment Information

Who is Eligible?

Full-time employees working 30+ hours per week are eligible on the first day of the month following 30 days of employment.

Eligible dependents include:

  • Legal spouse
  • Children under age 26
  • Disabled dependents

When to Enroll

Open enrollment begins October 16, 2025 for benefits effective January 1, 2026.

New hires have a 30-day waiting period with benefits effective the first of the month after completion.

Making Changes

Changes can only be made during open enrollment or with a qualifying life event:

  • Marriage or divorce
  • Birth or adoption
  • Loss of other coverage
  • Change in employment status

Important Contacts

Carrier information and support resources

Dental & Vision

Guardian/Ameritas

866-827-6607

guardiananytime.com

Life & Disability

OneAmerica

800-553-5318

oneamerica.com

Supplemental Benefits

Allstate Benefits

229-247-6411

MyBenefits Portal

Benefits Support

Todd Tillman

229-247-6411

Email Support