Cancer Plus

Whitfield County Schools offers a cancer plus critical illness benefit through Voya Financial that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness.  Cancer plus 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.  (See certificate for complete details.)

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

Employee: $5,000 to $30,000

Spouse: $5,000 to $15,000


Dependent children, up to age 26, have the following coverage options available: $1,000, $2,500, $5,000, or $10,000.   The employee must be enrolled in coverage to elect spouse or child coverage, but the dependent coverage levels can exceed the coverage elected on the employee.  There are no health questions when enrolling in this benefit. 


Spouses age 70 and older are not eligible for this benefit. Additional information on the plan 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 product may 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 Included

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

  • Chest X-Ray
  • Mammogram
  • Hemocult
  • Colonoscopy
  • CA 125 and CEA blood tests
  • Prostate specific antigen testing
  • Women's wellness


Wellness Benefit Amount

  • Employee: $50
  • Spouse: $50
  • Child(ren): $50 (no maximum)


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
Heart attack | sudden cardiac arrest: 25%
Stroke | Coma
Cancer: 100% | skin cancer: 10%
Carcinoma in Situ: 25%
Coronary artery bypass: 25%
Major organ transplant / end stage renal failure
Permanent Paralysis
New covered diagnoses for 2023:
Diabetes - Type 1
Severe burns
Transient Ischemic Attacks: 10%
Ruptured or dissecting aneurysm: 10%
Abdominal or thoracic aortic aneurysm: 10%
Open heart surgery for valve replacement or repair: 25%
Transcatheter heart valve replacement or repair: 10%
Coronary angioplasty: 10%
Implantable cardioverter defibrillator placement: 25%
Pacemaker placement: 10%
Benign brain tumor
Bone marrow transplant: 25%
Stem cell transplant: 25%
Loss of sight, hearing, or speech
Multiple Sclerosis, ALS, Parkinson’s Disease
Advanced dementia and Alzheimer’s Disease
Huntington’s Disease, Muscular Dystrophy
Addison’s Disease: 10%
Myasthenia Gravis, Systemic Lupus Erythematosus: 50%
Systemic Sclerosis: 10%
Occupational HIV or Hepatitis B or C
Infectious diseases (covered at 25% unless otherwise noted) - COVID
- Polio, rabies, meningitis, Lyme’s Disease
- Mad Cow Disease
- Flesh eating bacteria, MRSA, sepsis
- Tuberculosis, bacterial pneumonia, diphtheria
- Encephalitis, Legionnaire’s Disease, Malaria
- Necrotizing Fasciitis, Osteomyelitis, Tetanus, Ebola