Critical Illness

Colquitt County Schools offers voluntary Critical Illness coverage which provides a lump sum benefit in the event of a diagnosis of a covered illness. The plan is insured by MetLife and employees may elect coverage for yourself, your spouse, and your child(ren) with no health questions. (See certificate for complete details.)


Employees may elect in the amounts of $5,000, $10,000, $15,000, $20,000, $25,000, or $30,000.  Employees may also elect to cover their spouses and / or child(ren).  If dependent coverage is elected, the dependent(s) are covered at 50% of the employee amount.


Premium Information

Important Documents

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.  The benefit provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses of the illness, and coverage is available to both employees and their families. 

Benefit Options

  • Employees: From $5,000 to $30,000 in increments of $5,000
  • Spouses: 50% of the employee amount 
    • Employees must be enrolled to elect spouse coverage.
  • Children: 50% of employee coverage for all children
    • Employees must be enrolled to elect child coverage.
  • Employees may elect up to the maximum amount of coverage for yourself and your spouse with no health questions. 


  • 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 product will pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)

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

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

    • Home health care needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

Wellness Benefit

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 year per insured

Critical Illness Enrollment Ballot Notices / Agreements

All states, except AR, CA, CT, ID, ME, NH, NJ, NY and UT situs

Your Critical Illness certificate provides limited benefits – read your certificate carefully when you receive it.  MetLife’s Group Critical Illness product is intended to supplement, and is not a substitute for, comprehensive medical coverage.   By enrolling for Critical Illness Insurance, if I am a resident of Arkansas, Connecticut, Idaho, New Hampshire or Utah, I declare that no person proposed for Critical Illness coverage is covered under any Title XIX program (Medicaid or any similarly named program). I acknowledge that I have received a Shopper’s Guide to Cancer Insurance; and I have received and read a copy of the outline of coverage or other disclosure document for the group Critical Illness plan.  In addition, I have read the enrollment documentation and declare that all information I have given is true and complete to the best of my knowledge and belief; I have read the applicable Fraud Warning(s) provided.  

Required Notices for Enrollment

Please refer to the Resources page for MetLife Required Notices for Enrollment

Regulatory Disclosure Document

Please refer to the Resources page for MetLife Regulatory Disclosure Documents.

Covered Diagnoses and Conditions
Cancer (see certificate definition)
Heart Attack
Major Organ Transplant
Coronary Artery Bypass Surgery
End Stage Renal Failure
And More