Effingham County Schools offers voluntary Critical Illness insurance through Unum. This coverage provides a lump-sum benefit upon the diagnosis of a covered illness. The benefit amount depends on your selected coverage, the diagnosed condition, and the terms of the policy. You can choose coverage for yourself and your spouse, with automatic coverage for children at 50% of the employee's coverage amount.
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, up to 50% of the employee amount (employee must be enrolled in coverage to elect spouse coverage)
Child(ren) to age 26: Automatically covered at 50% of the employee amount elected
There are no health questions when enrolling in this benefit. Additional information on the plans is below.
Critical Illness insurance offers valuable financial protection when facing serious medical conditions. With this coverage, benefits are paid directly to you, in addition to any other insurance you may have. Whether it's covering medical bills, recovery expenses, or non-medical costs, this plan provides flexible financial support. The plan also offers multiple payouts for the same or different covered conditions.
The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:
Every year, each family member who has Critical Illness coverage can receive $50 for getting a covered Be Well Benefit screening test. Simply submit your claim form along with proof of your screening to receive your screening benefit.
To submit a Critical Illness claim, follow the steps below:
This plan is portable, allowing you to continue coverage by paying premiums directly to Unum if you leave your employment with the district.
Covered Diagnoses and Conditions |
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End stage renal (kidney) failure |
Heart attack |
Major Organ Failure Requiring Transplant |
Stroke |
Sudden Cardiac Arrest |
Coronary Artery Disease: Major and Minor (limited benefit) |
Invasive Cancer (including all breast cancer) |
Non-invasive Cancer (25% benefit) |
Skin Cancer ($500) |
Benign Brain Tumor |
Coma |
Loss of hearing, sight, speech |
Occupational PTSD |
Permanent Paralysis |
Progressive Diseases: Addison's Disease, ALS, Dementia, Functional Loss, Huntington's Disease, Lupus, Multiple Sclerosis, Muscular Dystrophy, Myasthenia Gravis, Parkinson's Disease, Systemic Sclerosis |
Critical Illnesses for Children: Cerebral Palsy, cleft lip or palate, congenital heart disease, Cystic Fibrosis, Down Syndrome, Sickle Cell Anemia, Spina Bifida, Type 1 Diabetes |
See full certificate for additional covered conditions |