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VOLUNTARY INSURANCE
Critical Illness
If you're diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want. The money can help you pay out of pocket medical expenses, like copays and deductibles.
Why is this coverage so valuable?
• The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles.
• You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. The reoccurrence benefit pays 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.
Who can get coverage?
YOU - Choose from $15,000 to $30,000 of coverage in increments of $5,000 with no medical questions if you apply when a new hire. Any year after you will subject to medical questions.
SPOUSE - Spouses can get 100% of the employee coverage amount as long as you have purchased coverage for yourself.
CHILD - Children from live birth to age 26 can elect coverage amounts up to 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.
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