Benefits At a Glance
Employees are eligible to elect Critical Illness Coverage. The coverage gives you and affordable option for easing the financial burden that can come with a covered diagnosed serious illness.
Coverage Options
| Employee | Spouse |
|---|---|
| $5,000 | $5,000 |
| $10,000 | $10,000 |
| $20,000 | N/A |
Children are covered to age 26 automatically for 25% of the employee amount.
Rates
| Premier Plan |
$5,000 Non-Tobacco |
$5,000 Tobacco |
|---|---|---|
| <30 | $1.68 | $2.17 |
| 30 – 39 | $2.79 | $4.20 |
| 40 – 49 | $4.68 | $8.15 |
| 50 – 59 | $9.12 | $17.91 |
| 60 – 70 | $16.66 | $34.73 |
For $10,000 use 2x the above rate, for $20,000 use 4x the above rate.
Covered Critical Illness
| Cancer | Heart Attack | Stroke |
| Carcinoma in Situ (25%) | Coronary Artery Disease with Bypass (25%) |
Coma |
| End Stage Renal (Kidney) Failure |
Paralysis | Deafness, Blindness Loss of Speach |
| Major Organ Transplant | Advanced Alzheimers | (ALS) Amyotrophic Lateral Sclerosis |
| Benign Brain Tumor | Bone Marrow Transplant | *Plus 21 other Childhood Diseases |
* Childhood Diseases are: Anal Atresia, Anencephaly, Bilary Atresia, Cerebal Palsy, Cleft Lip or Cleft Palate, Club Foot, Coarctation of the Aorta, Cystic Fibrosis, Diaphragmatic Hernia, downs Syndrome, Gastroschisis, Hirschsprung’s Disease, Hypoplastic Left Heart Syndrome, Infantile Hypertrophic Pyloric Stenosis, Muscular Dystrophy, Omphalocele, Patent Ductus Arteriosis, Spina Bifida Cystica with Myelomeningocele, Tetralogy of Fallot, Transposition of the Great Arteries
Additional Benefits
Subsequent Critical Illness- If the insured is diagnosed with a different and subsequent covered critical illness at least 30 days after the diagnosis of the first critical illness, the insured will receive an additional critical illness benefit.
- No Pre-Existing Condtional Exclusion
- Guarantee Issue
- Portable with no change in coverage or rates
- Standard Insurance Company (1-866-851-5505)
Issue Age/Termination
Children are covered from birth to 26. Coverage terminates at 26.
If an employee retires or leaves employment with Troup BOC, Standard will automatically port coverage and sends an invoice directly to the member’s home address.
Wellness Benefit
A $50/Annual Wellness Benefit is included per insured/covered person
Certificate of Coverage
Refer to the Certificate of Coverage for exact provisions and limitations.
This benefit is Insured by:
