Critical Illness

Baldwin County Schools offers a critical illness benefit through MetLife that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness.  Critical illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke.  This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. 


Rate Information

Important Documents

Coverage amount for employees and spouses are available in $5,000 increments, as follows:

Employee: $5,000, $10,000, $20,000, $30,000, $40,000, or $50,000

Spouse and Child(ren) (up to age 26): 50% of the employee amount (employee must be enrolled in coverage to elect spouse/child coverage)


There are no health questions when enrolling in this benefit. Additional information on the plans is below.


  • Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you

    • This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)

  • This plan could may pay multiple times for the same or different covered conditions

  • Benefits may be used however you'd like.  Typical uses include:

    • Out-of-pocket medical and non-medical expenses

    • Home healthcare needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

Wellness Benefit Included

The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:

  • Annual physical exam, biometric screening, or stress test on bicycle or treadmill
  • Blood test for triglycerides, CEA, bone marrow, CA 15-3 (breast cancer), fasting glucose, Hemoglobin A1C
  • Chest x-ray, mammograms, breast ultrasound, sonogram, MRI
  • Serum testing for cholesterol levels (HDL & LDL) or protein electrophoresis (myeloma)
  • Routine dental or vision exam
  • Electrocardiogram or ultrasound screening for abdominal aortic aneurysms
  • Colonoscopy, prostate-specific antigen testing, or pap smear


Wellness Benefit Amount

  • Employee: $50
  • Spouse: $50
  • Child(ren): $50
  • Maximum of once per per per insured


Simply submit your claim form along with proof of your screening to receive your screening benefit.  Directions for submitting a claim are located on the Resources page.

Covered Diagnoses and Conditions
Benign brain tumor
Cancer - Invasive: 100%
- Non-invasive: 25%
- Skin cancer: 5% $250 minimum
Coronary Artery Bypass Graft (CABG): 50%
Functional losses - Coma
- Loss of ability to speak, hearing, sight
- Paralysis of 2+ limbs
Heart events - Heart attack
- Sudden Cardiac Arrest: 50%
Infectious diseases including COVID: 25%
Kidney failure
Major organ transplants
Progressive diseases - ALS
- Alzheimer’s
- Multiple Sclerosis
- Muscular Dystrophy
- Parkinson’s Disease
- Systemic Lupus Erythematosus (SEL)
Severe burns
Childhood diseases incl but not limited to: - Cerebral Palsy
- Cleft lip or palate
- Cystic Fibrosis
- Type 1 Diabetes
- Down Syndrome
- Sickle Cell Anemia
- Spina Bifida