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.
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.
Features
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Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you.
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This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.
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This product will pay multiple times for the same or different covered conditions.
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Benefits may be used however you'd like. Typical uses include:
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Out-of-pocket medical and non-medical expenses
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Home healthcare needs and home modifications
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Recovery and rehabilitation
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Child care or caregiver expenses
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Travel expenses to and from treatment centers
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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: Polio Rabies Meningitis Lyme’s Disease Mad Cow Disease Flesh eating bacteria MRSA Sepsis Tuberculosis Bacterial pneumonia Diphtheria Encephalitis Legionnaire’s Disease Malaria Necrotizing Fasciitis Osteomyelitis Tetanus Ebola Virus Disease COVID-19 | 25% |
| 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 | 100% |
