- Horry County Schools
- Voluntary Benefits
-
Voluntary Benefits
Below is a high-level description of the voluntary benefits. These policies are only available from our enroller, Ward Service. They can be reached at 1-800-673-6472. Ward Services can also assist with filing claims for the following products.
The HCS Benefits staff cannot enroll you in the voluntary benefits listed below.
-
Trustmark Universal Life with Long Term Care
- One Product – Two Benefits: combines the benefits of both Life and Long Term Care coverage
- Includes built-in affordable “Living Benefit”, Long Term Care coverage
- Guaranteed Issue opportunities available – no underwriting questions or test
- Ability to automatically increase your benefit amount without additional test or underwriting
-
Trustmark Short Term Disability
- Disability Income insurance protects your future by going to work when you can’t
- Provides a benefit for rent or mortgage, credit card and car payments, child care, insurance co-pays, and deductibles, etc.
- Covers for total disability due to pregnancy and non-occupational sickness and/or injury
- Benefits are paid at the same frequency of your paycheck
-
Trustmark Critical Illness with Cancer combination
- Covers over 20 illnesses including heart attack, stroke, kidney failure and cancer
- Provides the ability to select a Single Cash Benefit between $5,000 and $20,000 in addition to your health insurance
- Level premiums meaning rates don’t increase because of age
- Ability to automatically increase your benefit amount without additional test or underwriting
-
Allstate Accident
- Covers all accidents including sports injuries
- Specific benefits for specific medical needs or services
- Wellness Benefits for doctor visits
- Benefits paid in addition to the health plan and directly to the employee unless assigned to someone else
-
Allstate Cancer
- Provides a cash benefit, in addition to your health insurance, when diagnosed with cancer
- Can help cover the cost of specific treatments and expenses as they happen
- Offers protection for hospitalization, radiation/chemotherapy, surgery, lodging, and transportation, etc.
- Affordable premiums and the benefit paid directly to the employee
