Includes a 2x total benefit amount multiplier, meaning covered conditions which may naturally reoccur are payable up to two times. 12 month waiting between subsequent (same) diagnosis, 0 month between different diagnosis.

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• Voya Employee Benefits Resource Center

Base module – % Payable- # Payable

• Heart Attack 100% 2 times the BENEFIT AMOUNT
• Cancer 100% 2 times the BENEFIT AMOUNT
• Stroke 100% 2 times the BENEFIT AMOUNT
• Major Organ Transplant 100% 2 times the BENEFIT AMOUNT
• Coronary Artery Bypass 25% 2 times the BENEFIT AMOUNT
• Carcinoma in Situ (CIS) 25% 2 times the BENEFIT AMOUNT

Major organ module- % Payable- # Payable

• Type 1 Diabetes 100% 2 times the BENEFIT AMOUNT
• Severe Burns 100% 2 times the BENEFIT AMOUNT
• Transient Ischemic Attacks (TIA) 10% 2 times the BENEFIT AMOUNT
• Ruptured or Dissecting Aneurysm 10% 2 times the BENEFIT AMOUNT
• Abdominal Aortic Aneurysm 10% 2 times the BENEFIT AMOUNT
• Thoracic Aortic Aneurysm 10% 2 times the BENEFIT AMOUNT
• Open Heart Surgery for Valve Replacement or Repair 25% 2 times the BENEFIT AMOUNT
• Transcatheter Heart Valve Replacement or Repair 10% 2 times the BENEFIT AMOUNT
• Coronary Angioplasty 10% 2 times the BENEFIT AMOUNT
• Implantable (or Internal) Cardioverter Defibrillator (ICD) Placement 25% 2 times the BENEFIT AMOUNT
• Pacemaker Placement 10% 2 times the BENEFIT AMOUNT

Enhanced cancer module- % Payable- # Payable

• Benign Brain Tumor 100% 2 times the BENEFIT AMOUNT
• Skin Cancer 10% 2 times the BENEFIT AMOUNT
• Bone Marrow Transplant 25% 2 times the BENEFIT AMOUNT
• Stem Cell Transplant 25% 2 times the BENEFIT AMOUNT

Quality of life module- % Payable- # Payable

• Permanent Paralysis 50% 1 times the BENEFIT AMOUNT
• Multiple Sclerosis 50% 1 times the BENEFIT AMOUNT
• Amyotrophic Lateral Sclerosis (ALS) 50% 1 times the BENEFIT AMOUNT Parkinson’s Disease 50% 1 times the BENEFIT AMOUNT
• Advanced Dementia, including Alzheimer’s Disease 50% 1 times the BENEFIT AMOUNT
• Infectious Disease 10% 2 times the BENEFIT AMOUNT

Wellness Benefit

Plan includes an Annual Wellness Benefit when a covered person has a health screening test and submits a wellness claim.

• Covered Employee – $50
• Covered Spouse – $50
• Each Covered Child – $25 (50% of employee’s amount), up to an Annual Maximum of $100 total
• Wellness Claims Checklist & FAQ
• Submit a Wellness Claim Online
• Submit a Wellness Claim Paper Form

Guaranteed Issue: No medical questions or tests are required for coverage.

No Pre-Existing Limitations

Employee:

Employees can choose from the following coverage amounts:

• $5,000
• $10,000
• $15,000
• $20,000
• Premium Rates are based on Issue Age & Tobacco status.

Spouse:

Spouse can choose from the following coverage amounts:

• $5,000
• $10,000
• $15,000
• $20,000

• Employee must have coverage in order for spouse to elect coverage.
• Spouse Coverage cannot exceed 100% of Employee’s Coverage.
• Spouse Premium Rates are based on Spouse’s Issue Age (not to exceed age 69) & Tobacco status.

Children:

• Employee must have coverage in order for Children to have coverage.
• Unmarried Children to age 26 are covered for 25% of employee’s coverage amount.
• Child Coverage also Includes an Additional Child Disease Module.

Portability

Benefit is portable, under age 70, at portability rates. Which means if you leave your current employer or retire, you can take the policy with you.

Employee/ Spouse Monthly Premium – Non-Tobacco

Voya Compass Critical Illness