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.

Critical Illness Brochure


Rates are based on the age, coverage and tobacco status. Rates lock in at issue age and will not increase with age.

<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%)
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

Claim form

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

Employee and Spouse issue age is 18 – 70. Coverage terminates at age 80.

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

Wellness Benefit Form

Certificate of Coverage

Refer to the Certificate of Coverage for exact provisions and limitations.

This benefit is Insured by: