Critical Illness Benefits

Q: What is covered?

A: These conditions are paid the full benefit at 100%:

A number of other illnesses are covered at 25% of the benefit, including (but not limited to) Addison's disease, cerebral palsy, muscular dystrophy, encephalitis, poliomyelitis, Huntington's disease, malaria, rabies, scleroderma, and tuberculosis.

Q: What if I have recurring illness?

A: You can receive up to three times the maximum coverage amount if diagnosed with more than one critical illness.

Your plan will pay a recurrence benefit for these conditions: heart attack, stroke, coronary artery bypass graft, and cancer. There is a 180 day suspension period between recurrences.

Critical illness insurance complements your other benefits and operates completely independently from them. You can hold it concurrently with your other plans, and receiving a benefit from one will not interfere with receiving a benefit from the other for the full amount.

Q: Who is eligible?

A: As long as the employee is actively employed, the employee, spouse, and eligible dependents are guaranteed coverage. No medical exam is necessary.

Q: Will I receive an ID card?

A: Your benefit pays directly to you. Since you won't need to present your coverage to any medical providers, you do not need an ID card for this benefit.

Q: What if my employment ends?

A: You can take this benefit with you if your employment ends.

The contracted cost through your company may differ from your individual cost, and deductions will no longer be taken via payroll. Payment and continuation of benefits are your responsibility after employment ends, arranged directly with the benefit provider.

Q: How do I make a claim?

A: When you receive a diagnosis for a covered illness, simply complete and submit a claim form.

For each covered diagnosis, a lump-sum payment is made directly to you, not to a doctor or hospital. You can spend the money however you choose.