Critical Illness
Critical illness insurance pays a one-time, lump-sum benefit amount that you can use in any way you like.
Critical illnesses can keep you from working and make it difficult to do simple, everyday things.
This coverage pays a specified benefit amount if you are diagnosed with a covered disease such
as heart attack, stroke, multiple sclerosis, cancer, Parkinson’s disease, Alzheimer’s disease,
and many more.
The out-of-pocket costs of a serious illness can be catastrophic, even with medical insurance.
Critical Illness Insurance helps provide financial protection in the event of a covered serious
illness. The policy pays a lump sum benefit directly to you if you or a covered family member
are diagnosed with a covered illness. You can use this benefit any way you choose – deductibles
and coinsurance, expenses your family incurs to be by your side, or simply to replace your lost
earnings from being out of work.
Critical Illness Plan Features
- Portable Coverage - You can take your policy with you if you change jobs or retire.
- Family Coverage - Coverage options are available for your spouse and children.
- Health Screening Benefit - Provides a $50 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as a physical exam, total cholesterol blood test, mammogram, lipid panel and more.
You choose the benefit amount when you enroll.
- Employee: $10,000 or $20,000
- Spouse: $5,000 or $10,000
Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Examples of covered illness include:
- Heart Attack
- Cancer
- Stroke
- Alzheimer's Disease
- Major Organ Transplant
- Coronary Artery Bypass
- End-stage Kidney Failure
- The money can help you pay out-of-pocket medical expenses, like 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 can pay 100% of your coverage amount.
- It’s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck.
- Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home.
- Be Well Benefit:Every year, each family member who has Critical
Illness coverage
can also receive $50 for getting a covered Be Well Benefit
screening test, such as:
- Annual exams by a physician include sports physicals, wellchild visits, dental and vision exams
- Screenings for cancer, including pap smear, colonoscopy
- Cardiovascular function screenings
- Screenings for cholesterol and diabetes
- Imaging studies, including chest X-ray, mammography
- Immunizations including HPV, MMR, tetanus, influenza
- You: Choose $10,000 or $20,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.
- Your spouse: Spouses can only get 50% of the employee coverage amount as long as you have purchased coverage for yourself.
- Your children: Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 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.
Click here to view the rates.
The policy/certificate of coverage has exclusions and limitations which may affect any benefits payable. The policy/certificate of coverage or its provisions, as well as covered illnesses, may vary or be unavailable in some states.
This plan is not a replacement for medical insurance.
If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child.
If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.
Unum
Important Note:
When you submit claim/leave on the Total Leave Employee Portal Unum will automatically search for additional coverage such as Accident, Critical Illness or Hospital that you may have. If coverage is found a claim will be set up for you.