CRITICAL ILLNESS BENEFIT...helps in the event of a heart attack, stroke or cancer.No one is ever really prepared for a life altering Critical Illness diagnosis. Your medical coverage may only some of your treatment costs and if you’re not able to work you may need help financially during your time-off.
HERE'S HOW IT WORKS...cash payout of $10,000 or $20,000 for most covered conditionsYou choose the benefit for you and family members you want covered. Then, if diagnosed with a Critical Illness you receive a cash benefit based on the coverages described here
HERE'S HOW IT WORKS...cash payout of $10,000 or $20,000 for most covered conditionsYou choose the benefit for you and family members you want covered. Then, if diagnosed with a Critical Illness you receive a cash benefit based on the coverages described here
Every 40 Seconds
an American will suffer a HEART ATTACK
Someone in the U.S. will suffer a STROKE Every 40 Seconds
40% of Americans will be diagnosed with CANCER sometime during their life
- HEART ATTACK...the death of a portion of the heart muscle due to inadequate blood supply. Established (old) myocardial infarction and cardiac arrest are not covered
- STROKE...the death of a portion of the brain producing neurological sequelae including infarction of brain tissue, hemorrhage and embolization from an extra-cranial source. Transient ischemic attacks (TIAs), head injury, chronic cerebrovascular insufficiency and reversible ischemic neurological deficits are not covered
- MAJOR ORGAN TRANSPLANT...transplant of heart, lung, liver, pancreas or kidneys. Transplanted organ must come from a human donor
- END-STAGE RENAL FAILURE...irreversible failure of both kidneys, resulting in peritoneal dialysis or hemodialysis. Renal failure caused by traumatic events, including surgical trauma, are not covered
- CORONARY ARTERY BYPASS SURGERY...to correct narrowing or blockage of one or more coronary arteries with bypass graft. Abdominal aortic bypass, balloon angioplasty, laser embolectomy, atherectomy, stent placement and non-surgical procedures are not covered
- WAIVER OF PREMIUM...(employee only) - premiums waived if disabled for 90 consecutive days due to a critical illness
- CANCER CRITICAL ILLNESS BENEFITS
- INVASIVE CANCER...malignant tumor with uncontrolled growth, including Leukemia and Lymphoma. Carcinoma in situ, non-invasive or metastasized skin cancer and early prostate cancer are not covered
- CARCINOMA...non-invasive cancer, including early prostate cancer (stages A, I, II) and melanoma that has not invaded the dermis. Other skin malignancies, pre-malignant lesions (such as intraepithelial neoplasia), benign tumors and polyps are not covered.