Disability/Health Protection
Disability/Health ProtectionPasco-Hernando State College provides eligible employees and their eligible dependents to purchase a variety of supplemental insurances to further protect their financial health in the case of accident, injury or illness.
Cancer Protection Insurance
Cancer Protection InsuranceWhat is Cancer Insurance?
Cancer insurance is the protection for the treatment of cancer and other specified diseases.
Allstate Insurance Company
Allstate Insurance CompanyAllstate Insurance Company
Allstate Insurance Company cancer protection coverage pays you a cash benefit to help with the costs associated with treatments, to pay for daily living expenses - and more importantly - to empower you to seek the care you need.
Who Pays?
You
When You Are Eligible
The first day of the following month after date of employment.
What You Receive
The College offers PHSC employees, plus spouse/partner, the opportunity to purchase from Allstate Insurance Company cancer protection insurance. An employee can cover the entire family for as little as $7.25 per paycheck. The premium can be pre-taxed and covers 23 specific diseases. All benefits are paid directly to the employee.
Medical Gap
Medical GapWhat is a Medical "Gap" Plan?
A medical gap plan is a medical benefit that complements your existing major medical insurance.
Allstate Insurance Company
Allstate Insurance CompanyAllstate Insurance Company
Who Pays?
You
When You Are Eligible
The first day of the following month after date of employment.
What You Receive
The College offers PHSC employees the opportunity to purchase a Low Plan or High plan Group Indemnity Medical benefit from Allstate designed to complement existing major medical insurance and help provide first dollar benefits to fill the gap between what employees current major medical coverage pays and what employees out-of-pocket expense is for themselves and their dependents. This plan pays a benefit for: physician office visits, inpatient and outpatient hospital, emergency room, ambulance and emergency accident benefit. Benefit is paid directly to the employee. Premium may be pre-taxed.
Short Term Disability
Short Term DisabilityWhat is Short Term Disability (STD) Insurance?
Short term disability insurance helps when you can't work to earn a paycheck. This type of insurance coverage protects a portion of your income for a short period of time, such as if you are hurt, sick, or recovering from the birth of a child. Coverage length and availability varies depending on which insurance provider you use to purchase short term disability insurance.
AFLAC
AFLACAflac Short Term Disability Insurance (STD)
Who Pays?
You
When You Are Eligible
The first day of the following month after date of employment.
What You Receive
The College offers PHSC employees the opportunity to purchase from Aflac short term disability insurance. It covers an employee for accident and sickness, 24 hours a day. It offers benefits of $300 per day starting with the first day of hospital confinement. The premium for this product can also be pre-taxed.
3 part benefit for employees:
- Short-term disability (spouse/partner not covered under this plan)
- Accident benefits (spouse/partner eligible for coverage)
- Hospital benefits (spouse/partner eligible for coverage)
One America Life
One America LifeOne America Life Insurance Company
Who Pays?
You
When You Are Eligible
The first day of the following month after the date of employment. Automatic enrollment for the first 30 days of employment. If employee elects coverage, open enrollment requires evidence of insurability (EOI).
What You Receive
The College offers PHSC employees the opportunity to purchase from OneAmerica Life Insurance Company short-term or long-term disability insurance. Premiums are deducted from the employee’s paycheck. The STD plan provides 50% of your income for either 11 or 24 weeks after a 15-day elimination period. The LTD provides income protection after the employee has been disabled for 90 days or 180 days depending on the plan you select. You may elect benefits that pay a maximum duration of either five years or to Social Security Normal Retirement Age. This premium cannot be pre-taxed.
Long Term Disability
Long Term DisabilityWhat is Long Term Disability Insurance?
Long term disability insurance replaces a portion of the income you lose if you are unable to work because of an injury or illness.
Bankers Life & Casualty Company
Bankers Life & Casualty CompanyBankers Life & Casualty Company
Who Pays?
You
When You Are Eligible
The first day of the following month after date of employment.
What You Receive
The College offers PHSC employees the opportunity to purchase from Bankers Life & Casualty Company a Long term care insurance (LTC) that provides coverage to help protect a participant and his/her family from the high cost of prolonged health care. A 20% discount is offered for couples when an employee signs up for a LTC policy, his/her family members, e.g. spouse, children 18 years and older, and parents, are eligible to purchase a LTC policy. Domestic partners are also allowed to purchase this coverage. The policy is portable. This premium cannot be pre-taxed.
One America Life Insurance Company
One America Life Insurance CompanyOne America Life Insurance Company
Who Pays?
You
When You Are Eligible
The first day of the following month after date of employment.
What You Receive
The College offers PHSC employees the opportunity to purchase from One America Life Insurance Company short term or long term disability insurance. Premiums are deducted from the employee’s paycheck. The STD plan provides 50% of your income for either 11 or 24 weeks after a 15-day elimination period. The LTD provides income protection after the employee has been disabled for 90 days or 180 days depending on the plan you select. You may elect benefits that pay a maximum duration of either five years or to Social Security Normal Retirement Age. This premium cannot be pre-taxed.