Benefit Reference Guide - The School District of Palm Beach County

Critical Illness Insurance Plan
A Payroll Deductible Post-tax Benefit
What payroll deduction premiums will I pay for
this plan?
You select the coverage and premium that best fits your budget and
family needs. As a School District of Palm Beach County employee,
your group purchasing power ensures you receive a high insurance
value at an affordable cost. Speak with your Enrollment Counselor
for more information.
Can I continue my coverage if I terminate
or retire?
Yes. This plan is portable after the first payroll deduction. You can
continue with the full amount of insurance coverage and arrange for
premiums to be billed directly to you.
Additional Riders and Benefits
Health Screening Benefit (optional)
Pays the cost of one screening test per calendar year (up to $50 or
$100 benefit maximum). Eligible tests include:
• Low Dose Mammography
• Chest X-ray
• Pap Smear (women over age 18)
• Breast ultrasound
• Hemocult Stool Specimen
• Colonoscopy
• Prostate Specific Antigen
• Fasting blood glucose test
• Flexible Sigmoidoscopy
• Blood test for triglycerides
• Stress test on a bicycle or treadmill
• Bone marrow testing
• Serum cholesterol test to determine
• Thermography levels of HDL and LDL
• CA 15-3 (blood test for breast cancer)
• CA 125 (blood test for ovarian cancer)
• CEA (blood test for colon cancer)
• Serum Protein Electrophoresis (blood test for myeloma)
Waiver of Premium (optional)
Premiums for base coverage and added riders and benefits may be
waived if the primary insured is totally disabled as defined in the
rider prior to the policy anniversary date nearest his or her 60th
birthday.
EZ Value Plan (optional)
Inflation-fighting option that automatically increases the lump sum
benefit amount of your Critical Illness policy on each of the first five
policy anniversaries. The increase equals an additional lump sum
amount purchased by an additional $1 per week premium for each
of the first five years at the attained age of the employee when the
increase goes into effect. EZ Value cannot be added after age 60.
Plan Provider
Trustmark Insurance Company, Lake Forest, Illinois, underwrites
this plan. The A.M. Best Company, an organization that compares
and rates the financial strength and performance of insurance
companies, has rated Trustmark “A-” (Excellent). Policy form CACI-
82001
What if I have questions about my
certificate?
After you enroll, you can get answers about your certificate by
calling Trustmark Customer Service at 1-866-636-5525.
Did you read about...
• Plan features?
• Underwriting guidelines?
• Optional riders?
www.myFBMC.com
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