Benefit

General

This option is available only in October each year during Open Enrollment.  Employees must meet eligibility requirements and speak with a Benefits Counselor in order to apply.  More information is included inside your enrollment packet. 

Plan Features

• Voluntary, individual coverage for employees, with multiple family coverage options available.

• A lump sum benefit is paid, based on a percentage of the fact amount, upon diagnosis of a covered critical illness or event.  (Covered critical illnesses and payment percentages may vary by state.)

• Coverage is guaranteed renewable as long as premiums are paid and until 100% of the face amount is paid.

• Premiums are paid through a payroll deduction

• The policy is individually owned, which means employees can take their policy with them if they retire or leave the district.

Covered Critical Illnesses

Heart Attack

100%

Stroke

100%

Major organ transplant (undergoing surgery as a recipient of transplant of a heart, lung, liver, kidney or pancreas)

100%

Permanent Paralysis (covering the permanent paralysis due to a covered accident and continuing for a period of 180 consecutive days)

100%

End-stage renal (kidney) failure

100%

Coronary artery bypass surgery (paid once per lifetime)

100%