Benefits At a Glance

The specified critical illness policy pays a lump sum benefit, based on the date of diagnosis, up to 100% of the policy’s face amount if you are diagnosed with one of the following critical illnesses. You may choose a face amount from $5,000 to $50,000 in $1,000 increments.

Plan Design

Covered Critical Illnesses Percentage of the Face Amount Paid
Heart Attack 100%
Stroke 100%
Major Organ Transplant * 100%
Permanent Paralysis * 100%
End-Stage Renal (Kidney) Failure 100%
Coronary Artery Bypass 25%
Cancer and Carcinoma in Situ Rider 100% for Cancer or 25% for Carcinoma in Situ

Benefit terminates when 100% of face amount has been paid.

Plan Benefits

If the Primary Insured or Spouse, as shown in the Policy Schedule, receives a benefit for Carcinoma in Situ and is later diagnosed with Cancer or with a different covered Specified Critical Illness as shown in the Policy Schedule, benefit will equal be less the amount received for Carcinoma in Situ or Coronary Artery Bypass Surgery.

Unmarried children are covered to age 25, if they are residing with and dependent upon employee for at least 50% of this support.

Annual wellness benefit of $50  per year per covered person. There is a 30-day waiting period from effective date for benefit and wellness benefit.

See a Benefit Counselor during Open Enrollment for exact amounts for you and your family (paper app).  This plan is underwritten by Unum.  Refer to your policy contract for exact provisions and specifications.

Please refer to your policy for complete definitions and limitations.