Critical Illness

Effingham County Schools offers a critical illness benefit through Voya Financial 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.)


Rate Information

Important Documents

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).   Additional information on the plans is below.


Additional information can be found in the Critical Illness Flyer.


  • Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you

    • 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.)

  • This product will pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)

  • Benefits may be used however you'd like.  Typical uses include:

    • Out-of-pocket medical and non-medical expenses

    • Home health care needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

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
  • Annual physical exam, biometric screening, or stress test
  • Routine dental or vision exam
  • Electrocardiogram or ultrasound screening for abdominal aneurysms


Wellness Benefit Amount

  • Employee: $50
  • Spouse: $50
  • Child(ren): $25 (maximum of $100 for all covered children)


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.


The plans can be ported to individual policies upon separation/retirement, up to age 70.  After the policy is ported, there is no age limit on keeping the coverage.

Covered Diagnoses and Conditions
Cancer (see certificate definition)
Carcinoma in Situ (limited benefit)
Heart Attack
Major Organ Transplant
End state renal (kidney) failure
Coronary Artery Bypass Surgery (limited benefit)
Skin Cancer and malignant melanoma (limited benefit)
And more