Voluntary Benefits with BSSP
BSSP offers a variety of voluntary benefits available to members actively enrolled in a BSSP-sponsored medical, dental, vision and/or group life insurance plan.
What is Universal Life Insurance with Long Term Care (LTC)?
Universal Life Insurance with Long Term Care through Trustmark provides lifelong protection with flexible premiums. It is one policy with two benefits - life insurance coverage for your family and long-term care benefits if you need them.
Program Highlights
- Coverage is available for yourself, your spouse, and your child(ren)
- Flexible permanent insurance designed to last a lifetime
- Benefits for long term care services such as home health or nursing home care - you can access 4% of the selected life benefit per month up to 25 months if you need LTC
- If you collect a benefit for LTC, your full death benefit is still available for your beneficiaries, as much as doubling your benefit
- You have two options: Universal Life with LTC and Universal Life Events with LTC. The difference between the two is a reduced death benefit amount at age 70 on Universal Life Events with LTC - your long-term care benefit amount will not decrease with age.
- The plan includes a Terminal Illness Benefit Rider which accelerates 75% of the death benefit amount when life expectancy is 24 months or less.
- You pay for this benefit conveniently through payroll deduction.
- The plan is portable, meaning you can take this with you, at the same rate, if you change jobs or retire.
Why is Long Term Care Coverage Important?
Long Term Care coverage provides peace of mind knowing you won't become a burden to loved ones if you become ill. While it's true that Medicare may cover some long-term care costs, Medicare's coverage can be very limited. Long Term Care coverage is the best way to protect yourself, your family, and your financial assets.
- Seniors ages 65 and over have a nearly 70% chance of needing Long Term Care services in their future
- Women (3.7 years) stay in long term care facilities longer than men (2.2 years)
- 20% of today's 65-yearolds will need long term care for longer than 5 years
Visit butte-schools.mybenefitslibrary.com for more information.
Accident Only Plan
Designed for those on a limited budget who want great coverage for accidents like broken legs, snake bites, foreign body ingestion and more.
BestBenfit Plan The most comprehensive coverage for Accidents and Illnesses.
With multiple levels of coverage, BestBenefit plans can be customized to meet the future medical needs of your four-legged family member and your budget.
| Plan Coverage | ESSENTIAL | PLUS | ELITE |
|---|---|---|---|
| Annual Coverage Limit for Unexpected Accidents and Illnesses | $5,000 - Unlimited | $5,000 - Unlimited | $5,000 - Unlimited |
| Annual Deductible Options | $50 - $1,000 | $50 - $1,000 | $50 - $1,000 |
| Reimbursement Percentage Options | 70% - 90% | 70% - 90% | 70% - 90% |
| Accidents, Illnesses, Cancer, Hereditary Conditions, Emergency Surgeries & Rx Meds | Included | Included | Included |
| Accident & Illness Exam Fees associated with the diagnosis of your pet for an eligible injury or illness | NOT Included | Included | Included |
| Rehabilitative, Acupuncture & Chiropractic Coverage to treat eligible injuries and illnesses | NOT Included | NOT Included | Included |
Optional Routine Care (available with BestBenefit Plan, only)
Routine care coverage for dogs and cats helps pay for your pet's regular veterinary visits. Routine checkups, dental cleanings and blood work may help to catch disease early and ensure a longer, happier life for your pet. It's an excellent way to budget for your pet's expected medical expenses, especially if you have a new kitten or a new puppy.
| Emergent Air Transportation | Members have access to emergency air transportation into a medical facility or between medical facilities. |
|---|---|
| Emergent Ground Transportation | Members have access to emergency ground transportation into a medical facility or between medical facilities. |
| Non-Emergent Inter-Facility Transportation | In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non -emergent air or ground transportation between medical facilities. |
| Repatriation/Recuperation | In the event that a Member is hospitalized more than 100-miles from their home, Members have access to air or ground medical transportation into a medical facility closer to Member’s home for the purposes of recuperation. |