Overview

Benefits at a Glance

Critical Illness is a policy that pays an immediate lump sum benefit upon diagnosis of a covered illness.
The policy is a supplement your medical plan designed as a limited benefit policy designed to help a family navigate back to health & work with a less stressful recovery.

Rates

Informational Website with Video

Rates are based on age at time of Policy Issue Date (January 1). Rates do not increase with age.

Benefits

Covered Illness

Brochure of Benefits – Enhanced Critical Illness Plan!

Major Organ Module, Enhanced Cancer Module and Enhanced Quality of Life Module

Enhanced Cancer Module

Cancer in Situ (25%)
Coronary Artery Bypass (25% to 100%)
Benign brain tumor
Skin cancer (10%)
Bone Marrow transplant (25%)
Stem Cell transplant (25%)

Base Module:

Heart Attack
Stroke
End Stage Renal (Kidney Failure)
Coronary Artery Bypass (25%)
Coma
Major Organ Failure/Transplant
Permanent Paralysis

Quality of Life Module:

Multiple Sclerosis
Amyotrophic Lateral Sclerosis (ALS)
Parkinson’s Disease
Alzheimer’s Disease
Infectious Disease
Loss of Sight/Hearing/Speech
Huntingtons Disease
Muscular dystrophy
Infectious Disease (25% from 100%)
Addison’s disease (25%)
Myasthenia gravis (50%)
Systemic Lupus erythematosus (50%)
Systemic Sclerosis (scleroderma) (10%)
Occupational HIV or Hepatitis B/C

Major Organ module:

Type 1 diabetes
Severe Burns
Transient Ischemic attack (TIA) (10%)
Ruptured or dissecting aneurysm (10%)
Aortic Aneurysm: thoracic or abdominal (10%)
Open heart surgery for valve replace/repair (25%)
Transcath heart valve replace/repair (10%)
Coronory Angioplasty (10%)
ICD (implant or internal cardio defib) placement (25%)
Pacemaker Placement (10%)

Child Module:

Downs Syndrome
Congenital Birth Defects
Cerebral Palsy
Cystic Fibrosis Gaucher Disease Type 2 or 3
Infantile Tay Sachs
Niemann-Pick Disease
Pompe Disease
Type 4 Glycogen Storage Disease
Sickle Cell Anemia
Zellweger Syndrome

Wellness Benefit

See pages 4 -6 for exact definitions not listed below

Health screening tests include, but are not limited to:

Blood test for triglycerides
Pap smear
Flexible sigmoidoscopy
CEA (blood test for colon cancer)
Bone marrow testing
Serum cholesterol test for HDL & LDL levels
Hemoccult stool analysis
Serum Protein Electrophoresis (myeloma)
Breast ultrasound
Chest x-ray
Mammography
Colonoscopy
CA 15-3 (breast cancer)
Stress test on bicycle or treadmill
Fasting blood glucose test
Thermography
PSA (prostate cancer)

Plan Design

Plan Design

Brochure of Benefits – Informational Website including Claims Filing

Enhancement:

NO AGE REDUCTIONS
3 X Payment for Each Covered Illness (including expanded benefit modules: Major Organ Module, Enhanced Cancer Module, Quality of Life Module)
12 month waiting between subsequent (same) diagnosis, 0 month between different diagnosis

All policies are Guarantee Issue for Employee, Spouse and Child coverage with no Pre-Existing limitation.

Employee must have coverage to elect coverage on the Spouse and/or children.

The elected lump sum benefit will be paid when a covered person has received diagnosis of one of the covered illness and the claim is filed. The policy will stay in force on the remaining covered family members. This allows additional benefits to be paid under the policy if other family members are diagnosed.

$100 will be paid annually as a Wellness Benefit when filed, and is included on Employee & Spouse Policies for wellness checkups. A $50 Wellness Benefit is payable for Child(ren) for Child Coverage Wellness Checkups.