Critical Illness

Thomas County Schools offers a voluntary critical illness benefit through Prudential 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. 

 

Premium Information

Important Documents

Coverage amounts for employees, spouses, and children are as follows:

Employee: $10,000, $20,000, and $30,000

Spouse: 100% of employee amount

Child(ren) to age 26:  Automatically covered at 100% of the employee amount elected

 

Employees may elect up to the maximum amount of coverage for yourself and your spouse with no health questions.

Features

  • 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. 

  • 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

  • This plan includes a health screening benefit for all insured.
  • When you separate from the district, you have the option to apply for portability to maintain your Critical Illness policy at the same rate as active employees. 

Health Screening Benefit Included

The voluntary Critical Illness plan includes a wellness benefit of $50 per covered member per calendar year.

  • Annual exams by a physician, including sports physicals
  • Immunizations and other health screenings
  • Cardiovascular, cholesterol, and diabetes screenings
  • Imaging, including chest X-ray, mammography, and more

Simply submit your claim form and proof of your screening to receive your wellness benefit. 

Covered Diagnoses and Conditions
Heart Attack
Stroke
Major organ failure
End stage renal (kidney) failure
Coronary artery bypass graft or valve replacement - Major (50%)
Coronary artery balloon angioplasty or stent placement- Minor (10%)
Invasive Cancer (including breast cancer)
Non-invasive cancer (25%)
Skin cancer ($500)
Amyotrophic Lateral Sclerosis (ALS)
Dementia, including Alzheimer’s
Multiple Sclerosis (MS)
Parkinson’s disease
Functional loss
Loss of sight, hearing or speech
Benign brain tumor
Coma
Permanent Paralysis
Infectious Diseases (25%)
Third degree burns
Lupus (25%)
TIA (25%)
Additional childhood conditions include:
Cerebral Palsy, Cleft lip or palate, Cystic Fibrosis, Down Syndrome, Sickle Cell Anemia, Spina Bifida, Congenital Heart Disease, Type 1 Diabetes

Non-Medical Enrollment and Questions:
(866) 606-6865

Medical Enrollment and Questions:
(800) 610-1863

General Questions: help@tcjacketsbenefits.net

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