Critical Illness

Dalton Public 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 is portable at time of termination.  You may continue coverage by paying premiums directly to Voya Financial.


Premium Information

Important Documents

Coverage amount for employees and spouses are available as follows:

Employee: $5,000 to $25,000 ($5,000 increments)

Spouse: Up to 50% of the employee amount

  • Spouses up to age 70 are eligible to elect coverage
  • Employees must be enrolled to elect spouse coverage

Children: 25% of the employee's coverage is automatically provided to all children


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.


  • 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. 

  • This product will pay multiple times for the same or different covered conditions.

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

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

    • Home healthcare needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

  • See the certificate on the Resources page for additional information.

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
  • Hemocult
  • Colonoscopy
  • CA 125 and CEA blood tests
  • Prostate-specific antigen testing
  • Women's wellness


Wellness Benefit Amount

  • Employee: $75
  • Spouse: $75
  • Child(ren): $75

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.

Covered Diagnoses Payment Percentage
Heart Attack 100%
Stroke 100%
Cancer (see certificate definition) 100%
Carcinoma in Situ 25%
Coronary Artery Bypass Surgery 25%
Major Organ Transplant 100%
End State Renal (Kidney) Failure 100%
Sudden Cardiac Arrest 25%
Type I Diabetes 100%
Severe Burns 100%
Transient Ischemic Attacks 10%
Ruptured or Dissecting Aneurysm 10%
Abdominal Aortic Aneurysm 10%
Thoracic Aortic Aneurysm 10%
Open Heart Surgery for Valve Replacement or Repair 25%
Transcatheter Heart Valve Replacement or Repair 10%
Coronary Angioplasty 10%
Implantable (or Internal) Cardioverter Defibrillator (ICD) Placement 25%
Pacemaker Placement 10%
Benign Brain Tumor 100%
Skin Cancer 10%
Bone Marrow Transplant 25%
Stem Cell Transplant 25%
Permanent Paralysis 100%
Loss of Sight, Hearing or Speech 100%
Coma 100%
Multiple Sclerosis 100%
Amyotrophic Lateral Sclerosis (ALS) 100%
Parkinson's Disease 100%
Advanced Dementia including Alzheimer's Disease 100%
Huntington's Disease 100%
Muscular Dystrophy 100%
Infectious Diseases Covered:
Lyme’s Disease
Mad Cow Disease
Flesh eating bacteria
Bacterial pneumonia
Legionnaire’s Disease
Necrotizing Fasciitis
Ebola Virus Disease
Addison's Disease 10%
Myasthenia Gravis 50%
Systemic Lupus Erythematosus (SLE) 50%
Systemic Sclerosis (Scleroderma) 10%
Childhood Conditions Covered:
Cerebral Palsy
Congential Birth Defects
Cystic Fibrosis
Down Syndrome
Gaucher Disease, Type II or III
Infantile Tay Sachs
Niemann-Pick Disease
Pompe Disease
Type IV Glycogen Storage Disease
Sickle Cell Anemia
Type I Diabetes
Zellweger Syndrome