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.)
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
The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:
Wellness Benefit Amount
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)|
|Major Organ Transplant|
|End state renal (kidney) failure|
|Coronary Artery Bypass Surgery (limited benefit)|
|Skin Cancer and malignant melanoma (limited benefit)|