Benefits & Insurance


GOAL: Ensure that all qualifying new employees are offered the option to sign-up for benefits.

  • Benefits include:
    • Health & Vision Insurance – State of Tennessee
    • Dental Insurance – Delta Dental
    • Life Insurance – Horace Mann (certified staff)
    • Life Insurance – USAble (non-certified staff)
    • Voluntary Short- & Long-Term Disability – USAble (certified & non-certified staff)
    • Voluntary Group Life and AD&D – USAble (non-certified staff)
    • Tennessee Consolidated Retirement System (TCRS)
  • Current employees can only make changes to their benefits during Open Enrollment, held yearly during the month of October, unless they meet a qualifying event. Any changes made during Open Enrollment go into effect the 1st of January the following year.
  • Only Voluntary benefits can be dropped anytime during the year.

No benefits can be picked up during the year except during Open Enrollment, or if a qualifying event is met.

Admin. Asst./Agency Benefit Coordinator

Elaine R. Lowe

208 Court Street / P.O. Box 37
Huntsville, TN 37756
Phone: 423-663-2159, Ext. 8027
Fax: 423-663-9682