Fast Enrollment, 6 Simple Steps.

NJEA members who are 64 years old or younger may apply for up to $200,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. You can keep your coverage if you change districts, provided you notify us of the transfer within 90 days. You can enroll your dependents only if you’re enrolled.

Spouse/Domestic Partner may elect up to $200,000, but cannot exceed the member amount. Children up to $15,000, but cannot exceed 50% of the member amount.

A lump sum is paid to the policyholder if he or she is diagnosed with a specific illness stated on The Prudential Insurance Company of America's predetermined list.

Download our NJEA Income Protection brochure to learn more about Critical Illness or Procedures not covered, pre-existing condition limitations, and benefits for National Cancer Institute (NCI) Evaluation.

If you have any questions about enrollment, claims, or premium payments, call 800-727-3414

Even with health insurance, out-of-pocket medical and non-medical expenses such as deductibles or co-pays can really cause financial strain. With Critical Illness, there is no limitation in how you use your benefit payments. The money can be used for anything from home care and treatment, recuperation aid, mortgage payments or rent, child care, over-the-counter medications, groceries, college tuition, or travel to a treatment center.

Benefits are payable directly to you, as per the terms of the policy.

A reoccurrence benefit is a part of our standard offering and allows an insured to receive additional benefits for the second diagnosis of a previously covered condition, up to a maximum benefit amount.

The amount payable for a Reoccurrence of a Critical Illness or Procedure is 50% of the amount paid to the person for the First Occurrence of the Critical Illness or Procedure. All benefits are subject to the Lifetime Maximum Benefit below.

Reoccurrence of a Critical Illness or Procedure means:

1. A person is positively diagnosed by a Doctor as having an additional occurrence or reoccurrence of a Critical Illness or Procedure for which a benefit was paid under this Coverage; and
2. The date of the diagnosis of the additional occurrence or reoccurrence is more than 180 days after the date of such prior benefit payment.

Lifetime Maximum Benefit:No more than the Lifetime Maximum Benefit will be paid for all of a Covered Person’s Critical Illnesses or Procedures. The Lifetime Maximum Benefit for a Covered Person is 200% of the person’s Amount of Insurance.