Critical Illness
School System offers a critical illness benefit that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness. Critical illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke. This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. (See certificate for complete details.)
Coverage amount for employees and spouses are available in $5,000 increments, as follows:
Employee: $5,000 to $20,000
Spouse: $5,000 or $10,000 (employee must be enrolled in coverage to elect spouse coverage)
Child(ren) to age 26: Automatically covered at 25% of the employee amount elected
There are no health questions when enrolling in this benefit, but the benefit will reduce by 50% at age 70 for both employees and spouses (no reduction in premium). Spouses age 70 and older are not eligible for this benefit. Additional information on the plans is below.
Features
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Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you
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This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. (See certificate for complete details.)
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This product will pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)
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Benefits may be used however you'd like. Typical uses include:
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Out-of-pocket medical and non-medical expenses
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Home health care needs and home modifications
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Recovery and rehabilitation
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Childcare or caregiver expenses
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Travel expenses to and from treatment centers
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Wellness Benefit Included
The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:
- Chest X-Ray
- Mammogram
- Hemoccult
- Colonoscopy
- CA 125 and CEA blood tests
- Prostate specific antigen testing
- Women's wellness exams
- SHBP biometric screening
Wellness Benefit Amount
- Employee: $75
- Spouse: $75
- Child(ren): $50
Simply submit your claim form along with proof of your screening to receive your screening benefit. Directions for submitting a claim are located on the Resources page.
Portability
The plans can be ported to individual policies upon termination/retirement, up to age 70. After the policy is ported, there is no age limit on keeping the coverage.
| Covered Diagnoses and Conditions |
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| Cancer (see certificate definition) |
| Carcinoma in Situ (limited benefit) |
| Heart Attack |
| Stroke |
| Major Organ Transplant |
| End state renal (kidney) failure |
| Coronary Artery Bypass Surgery (limited benefit) |
| Skin Cancer and malignant melanoma (limited benefit) |
| And more |
