Critical Illness Insurance

The District offers a Critical Illness Policy through Allstate.

This is a voluntary benefit offered to employees who are working at least 20 hours or more in a regular position. 

Employees and qualified dependents can be covered. Eligible dependent children must be under the age of 26 when initially enrolled, and can be covered until the end of the calendar year in which they turn 26 years of age with NO Criteria (such as dependent marital status, student status, financial dependency on the Covered Employee, etc.) 

Dependent Eligibility

Spouse-Legally Married

Children-Employee's natural, newborn, adopted, foster, step child(ren) (or a child for whom the Covered Employee has been court-appointed as legal guardian or legal custodian) 

There are two options: $10,000 or $20,000.

Critical Illness coverage helps provide financial support if diagnosed with a covered critical illness. This money can be used for:

  • Copays
  • Deductibles
  • Everyday living expenses

There is a wellness benefit of $50 per calendar year, per covered person for qualified testing such as mammograms, chest x-rays, colonoscopy and many more. For the wellness claim form please click below:

Please note, the premiums are based on NON-TOBACCO and TOBACCO use. If you and/or your covered legally married spouse have used any tobacco products within the last 12 months, you must enroll in the option with Tobacco rates.

For more detailed information, please watch the video below.

For The List Of Covered Conditions And Benefit Details

Click The Link Below For The Allstate Claim Form

Premiums - 24 Pay (Teachers, Etc.)

Plan 1 - $10,000 Basic Benefit Amount

Elementary (K-5)

  Non-Tobacco Tobacco
AGE EE&EE+CH EE+SP&F EE&EE+CH EE+SP&F
18-24 $1.18 $2.02 $1.61 $2.68
25-29 $1.51 $2.53 $2.17 $3.51
30-34 $1.99 $3.24 $2.93 $4.66
35-39 $2.47 $3.97 $3.70 $5.81
40-44 $3.38 $5.33 $5.28 $8.18
45-49 $4.62 $7.20 $7.41 $11.37
50-54 $6.06 $9.35 $9.78 $14.93
55-59 $8.41 $12.88 $13.70 $20.82
60-64 $12.97 $19.73 $21.50 $32.52
65-69 $19.42 $29.39 $32.58 $49.13
70-74 $23.19 $35.06 $39.12 $58.94
75-79 $27.23 $41.11 $46.10 $69.41
80+ $34.35 $51.77 $56.33 $84.75

Plan 2 - $20,000 Basic Benefit Amount

  Non-Tobacco Tobacco
AGE EE&EE+CH EE+SP&F EE&EE+CH EE+SP&F
18-24 $1.83 $3.00 $2.70 $4.31
25-29 $2.49 $4.00 $3.80 $5.97
30-34 $3.44 $5.43 $5.34 $8.27
35-39 $4.41 $6.88 $6.87 $10.57
40-44 $6.24 $9.62 $10.03 $15.31
45-49 $8.72 $13.34 $14.29 $21.70
50-54 $11.59 $17.65 $19.02 $28.80
55-59 $16.29 $24.69 $26.88 $40.58
60-64 $25.42 $38.39 $42.47 $63.97
65-69 $38.31 $57.73 $64.62 $97.20
70-74 $45.86 $69.05 $77.71 $116.83
75-79 $53.93 $81.16 $91.65 $137.75
80+ $68.16 $102.50 $112.12 $168.45

Premiums - 20 Pay (Bus Drivers/Attendants)

Premiums - 20 Pay

Plan 1 - $10,000 Basic Benefit Amount

  Non-Tobacco Tobacco
AGE EE&EE+CH EE+SP&F EE&EE+CH EE+SP&F
18-24 $1.42 $2.42 $1.93 $3.22
25-29 $1.81 $3.04 $2.60 $4.21
30-34 $2.39 $3.89 $3.52 $5.59
35-39 $2.96 $4.76 $4.44 $6.97
40-44 $4.06 $6.40 $6.34 $9.82
45-49 $5.54 $8.64 $8.89 $13.64
50-54 $7.27 $11.22 $11.74 $17.92
55-59 $10.09 $15.46 $16.44 $24.98
60-64 $15.56 $23.68 $25.80 $39.02
65-69 $23.30 $35.27 $39.10 $58.96
70-74 $27.83 $42.07 $46.94 $70.73
75-79 $32.68 $49.33 $55.32 $83.29
80+ $41.22 $62.12 $67.60 $101.70

Plan 2 - $20,000 Basic Benefit Amount

  Non-Tobacco Tobacco
AGE EE&EE+CH EE+SP&F EE&EE+CH EE+SP&F
18-24 $2.20 $3.60 $3.24 $5.17
25-29 $2.99 $4.80 $4.56 $7.16
30-34 $4.13 $6.52 $6.41 $9.92
35-39 $5.29 $8.26 $8.24 $12.68
40-44 $7.49 $11.54 $12.04 $18.37
45-49 $10.46 $16.01 $17.15 $26.04
50-54 $13.91 $21.18 $22.82 $34.56
55-59 $19.55 $29.63 $32.26 $48.70
60-64 $30.50 $46.07 $50.96 $76.76
65-69 $45.97 $69.28 $77.54 $116.64
70-74 $55.03 $82.86 $93.25 $140.20
75-79 $64.72 $97.39 $109.98 $165.30
80+ $81.79 $123.00 $134.54 $202.14

If you have any questions, please contact Insurance and Benefits at (239) 337-8321 or email Benefits@leeschools.net.