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Critical Illness

Critical Illness Plan provides a lump sum benefit upon the diagnosis of not only one covered illness, but for each covered illness. Medical coverage will help your employees with a large portion of the medical expense associated with the treatment of critical illnesses. But what about the out-of-pocket medical expenses? Group Critical Illness insurance provides a lump-sum benefit payment to cover out-of-pocket medical expenses and the costs associated with life-changes following a critical illness.

Plan Features

Lump-sum benefits paid directly to the insured following the diagnosis of each covered critical illness
Spouse amount may not exceed 50 percent of primary insured amount
Each dependent child is covered at 25 percent of the primary insured amount
Benefit amounts available for up to $50,000 for employee and $25,000 for spouse
Annual health screening benefits included

Underwriting Guidelines
Plan pays 100% of the benefit plan selected upon the first diagnosis of each covered illness.

Option 1:	$10,000 employee and $5,000 spouse Guaranteed Issue (No health questions)
Option 2:	$30,000 employee and $15,000 spouse Simplified Issue (three (3) medical questions)
Option 3	$50,000 employee and $25,000 spouse Simplified Issue (three (3) medical questions

Services	Plan Pays
First Occurrence Benefit	After 30-day waiting period, lump sum benefit paid upon diagnosis of each covered critical illness
Additional Occurrence Benefit	Occurrence must be separated by at least 6-months for any additional illness
Re-occurrence Benefit	If insured collects full benefit for covered condition and later diagnosed wit the same condition, plan will pay the full benefit again. The two dates must be separated by at least 12-months or 12-month treatment free for Cancer.
Health Screening Benefit	Pays up to $50 per calendar year for covered employee and spouse.
Covered Health Screening Tests	Mammography, colonoscopy, pap smear, breast ultrasound, chest x-ray, PSA (blood test for prostate cancer), stress test on a bicycle or treadmill, and bone marrow testing.

Illnesses Covered Under This Plan	Percentage of Maximum Benefit	Lump Sum Option 1:	Lump Sum Option 2:	Lump Sum Option 3:
Heart Attack	100%	$10,000	$30,000	$50,000
Stroke	100%	$10,000	$30,000	$50,000
Major Organ Transplant	100%	$10,000	$30,000	$50,000
Kidney Failure (end stage)	100%	$10,000	$30,000	$50,000
Cancer (internal / invasive)	100%	$10,000	$30,000	$50,000
Carcinoma in situ	25%	$10,000	$30,000	$50,000
Coronary Artery Bypass Surgery	25%	$10,000	$30,000	$50,000