Portable Disability & Life Benefits for Public Employees

Explore supplemental insurance designed for eligible state, county, municipal, school-system, public-safety, and other public-sector employees.

Review Your Eligibility Understand Guaranteed Issue

Coverage you own

Benefits designed to help fill workplace-coverage gaps

BASCME provides eligible public employees access to individually owned supplemental benefits. Because the coverage belongs to you rather than your employer, qualifying coverage may remain portable if you change jobs, subject to the policy’s continuation and premium requirements.

Disability Income

Monthly cash benefits can help replace income during a covered sickness or accident.

Life Insurance

Guaranteed-issue and simplified-issue options may be available to protect your family and financial obligations.

Supplemental Benefits

Accident, cancer, critical illness, and other options may be available through participating programs.

BASCME disability protection

Guaranteed approval for eligible active employees

BASCME describes a guaranteed-issue disability program for eligible actively working public employees. Available benefit amounts are based on program limits, income, occupation, age, state availability, and other policy requirements.

Potential program features

Monthly benefits available up to the program limit
Benefits may begin after a 14-day elimination period
Coverage for covered sicknesses and accidents
Benefits paid directly to the insured
Coverage may apply on or off the job

What still matters

You must satisfy association and employee eligibility rules
Active-at-work requirements may apply
Benefits cannot exceed applicable income limits
Pre-existing-condition provisions may delay certain benefits
State availability, exclusions, and policy terms apply

Life insurance choices

Guaranteed-issue and simplified-issue options may be available

Depending on the available program, eligible employees may be able to select guaranteed-issue or simplified-issue life insurance. The right approach depends on the desired benefit, age, health history, budget, and policy features.

Compare guaranteed, simplified, and fully underwritten coverage →

Your Approved Benefit Advisor

Personal guidance without replacing your employer benefits

SCC Insurance Group is an independent insurance agency contracted through Tower Insurance Services, Inc., the Insurance Master General Agency endorsed by BASCME. Sebastian Cuadrado serves as an Approved Benefit Advisor and can help you coordinate supplemental coverage with sick leave, workers’ compensation, pension benefits, and existing insurance.

BASCME is not a government agency. Participation in an association program does not mean your employer, municipality, county, state, union, or government entity endorses SCC Insurance Group or a specific insurance product.

Visit the BASCME website →

See what may be available through BASCME

Review your employer type, income, existing benefits, and available disability or life options.

Schedule a BASCME Benefits Review

This page is a general summary and is not a contract of insurance. SCC Insurance Group is an independent insurance agency and is not BASCME or a government agency. Eligibility, benefit amounts, costs, active-at-work requirements, state availability, continuation provisions, policy terms, pre-existing-condition provisions, limitations, and exclusions apply. Refer to the applicable policy and certificate for complete details.