Critical Illness Insurance

A critical illness can come in many forms, leaving employees unable to work and provide for themselves and their families. So, when employees fall ill with a critical illness, they deserve help protecting their finances and their loved ones’ futures. 

A supplement to major medical insurance, Transamerica’s critical illness insurance is a flexible option that pays a lump-sum benefit that can be used to offset out-of-pocket costs not covered by major medical. You can also add a number of additional benefit options to provide additional protection. 

• No lifetime benefit maximum
• No waiting period
• Benefits paid directly to the employee
• Easy payroll-deducted premiums
• Family options available
• Portable if the employee leaves the company
• Guaranteed issue available 

EMPLOYEE ELIGIBILITY 

To be eligible for insurance, an employee must be 18 years or older and: 

• Be actively employed, performing all regular duties at the place of business or another location directed by the employer
• Be continuously employed and meeting the minimum hourly and time requirements for benefit eligibility. These requirements will be defined on the Life and Health Group Application and Agreement.
• Provide satisfactory evidence of insurance to us, if required
• Be continuously employed for the amount of time and working the minimum amount of hours per week for your class as defined under Class Eligibility.

SPOUSE ELIGIBILITY 

To be eligible for insurance, a spouse must be 18 years or older and: 

• Be a legally married spouse, common law marriage partner, domestic partner, or civil union partner, if legally recognized in the governing jurisdiction or as otherwise agreed upon between the employer and us 
• Not be eligible as an insured under the policy 
• Provide satisfactory evidence of insurance to us, if required 

CHILD ELIGIBILITY 

To be eligible for insurance, a child must be under the age of 26 and be any of the following: 

• A natural child 
• A legally adopted child or child who has been placed for adoption with the employee 
• A stepchild or foster child 
• A grandchild who lives with the employee 
• A child for whom the employee has been appointed legal guardian 
• A child for whom the employee is legally required to provide support 

Insurance for child dependents may continue beyond the maximum age in the event of mental or physical impairment. Proof of incapacity and conditions may vary by state. 

Tools & Resources

The following products are no longer being offered by the district. The information below is relevant to individual products that were marketed in prior years and continue remain active on payroll deduction in the event you need to reference.

The information below is relevant to individual products that were marketed in prior years, but no longer on payroll deduction. This information is included here in the event you need to reference them for an outstanding or pending claim from the previous year.