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Below is information regarding the critical illness insurance program.

The Critical Illness policy complements your medical plan coverage, but does not replace it. The plan pays a lump sum benefit when a covered person experiences certain medical conditions such as heart attack, stroke, cancer and more. Download the Benefits summary (PDF) document for plan information, claim forms, certificates and more.

Regular (non-temporary) employees working at least 20 hours per week (.5 FTE) may choose between three benefit plan levels, ($15,000, $25,000 or $40,000) and coverage is available for legally married spouses, and eligible dependent children.

The amount you pay depends on your age, selected benefit plan level and who you cover.  If you are paid one time per month, the full monthly rate is deducted from your pay check. If you are paid every two weeks, one half of the monthly rate is deducted from the first two paychecks in the month. If there is a third bi-weekly paycheck in the month, the premium is not deducted. Rates are available in the 2024 Benefits Summary (PDF).

Plan premiums are deducted from your paycheck on a pre-tax basis in the same month coverage is effective.  This means your premiums are taken from gross pay before Social Security, federal and state taxes are deducted, which reduces your taxable income.

If you are a new-hire or become eligible for coverage due to a qualifying life event and enroll in the plan, benefits begin on the first day of the month following your event date. You have 30 calendar days starting from your event date to enroll and coverage begins on the first day of the month following your event date.

The plan year is January through December. Your plan election is “locked in” for the entire calendar year and does not require re-enrollment during open enrollment.   Your elected plan continues from year to year unless you decide to make changes.

If you experience a qualifying life event during the year, you may add or drop dependents but you may not change the benefit plan level. You may change your plan level and drop/add dependents during open enrollment and the changes become effective on January first.

If you lose eligibility for coverage, terminate employment or retire, your coverage will end on the last day of the month in which the event date occurs.

Critical Illness plan enrollment and changes are made through ConnectCarolina Self Service (Enroll or Change Benefits).