Page 20 - OE Guide
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New Voluntary Beneits Through Cigna
Critical Illness
Critical illness insurance by Health screening (wellness) beneit—provides a beneit amount of
Cigna pays you a lump-sum $50 for a health screening test taken by a covered person; the beneit is
beneit if you are diagnosed limited to payment of one beneit amount per calendar year for each
with a covered illness. You can covered person; beneit waiting period is 30 days following the effective
choose the level of coverage date of the health screening beneit rider
you want and can use the money Pre-existing conditions—none apply; pre-existing conditions have been
any way you see it. Much like a waived from this plan which means that coverage applies for any of the
life insurance policy pays your critical illnesses listed below which are diagnosed or occur 30 days after
beneiciary a lump sum upon the plan’s effective date
death, this critical illness policy
pays a beneit to YOU if you Waiting period—diagnosis must occur at least 30 days after the coverage
or a covered dependent are effective date to be eligible for beneits
diagnosed or incur a covered If you reside in the state of Washington, this plan provides an
critical illness. additional beneit payout equal to the plan beneit amount and
percentage of the covered person for each diagnosis of a subsequent
Guaranteed issue—each year and same covered condition that has received a beneit payout from
during open enrollment, a previous diagnosis, after a 12 month separation period from the
you can elect this coverage previous diagnosis; covered conditions include; heart attack, stroke,
without medical questions renal (kidney) failure, major organ transplant, ALS, blindness, and
Employee: up to $20,000 paralysis
Spouse: up to $10,000 For all other states, the plan provides an additional beneit amount equal
(maximum of 50 to the selected beneit amount and percentage of the covered person
percent of employee- for the diagnosis of a subsequent and different covered condition after
elected amount) a six month separation period
Child(ren): 25 percent Employees must be actively at work to elect this beneit
of employee-elected
amount Covered Conditions
Portable—coverage is Paid at 100 Percent of Elected Amount Unless Otherwise Noted Below
portable which means you Amyotrophic lateral sclerosis Coronary artery disease (surgery)
can take this plan with you (Lou Gehrig’s disease) *
if you no longer work for Cancer Renal (kidney) failure
Franke Carcinoma in situ * Major organ transplant
Heart attack Paralysis
Franke * Paid at 25 percent of elected beneit amount Blindness
New Voluntary Beneits Through Cigna
Critical Illness
Critical illness insurance by Health screening (wellness) beneit—provides a beneit amount of
Cigna pays you a lump-sum $50 for a health screening test taken by a covered person; the beneit is
beneit if you are diagnosed limited to payment of one beneit amount per calendar year for each
with a covered illness. You can covered person; beneit waiting period is 30 days following the effective
choose the level of coverage date of the health screening beneit rider
you want and can use the money Pre-existing conditions—none apply; pre-existing conditions have been
any way you see it. Much like a waived from this plan which means that coverage applies for any of the
life insurance policy pays your critical illnesses listed below which are diagnosed or occur 30 days after
beneiciary a lump sum upon the plan’s effective date
death, this critical illness policy
pays a beneit to YOU if you Waiting period—diagnosis must occur at least 30 days after the coverage
or a covered dependent are effective date to be eligible for beneits
diagnosed or incur a covered If you reside in the state of Washington, this plan provides an
critical illness. additional beneit payout equal to the plan beneit amount and
percentage of the covered person for each diagnosis of a subsequent
Guaranteed issue—each year and same covered condition that has received a beneit payout from
during open enrollment, a previous diagnosis, after a 12 month separation period from the
you can elect this coverage previous diagnosis; covered conditions include; heart attack, stroke,
without medical questions renal (kidney) failure, major organ transplant, ALS, blindness, and
Employee: up to $20,000 paralysis
Spouse: up to $10,000 For all other states, the plan provides an additional beneit amount equal
(maximum of 50 to the selected beneit amount and percentage of the covered person
percent of employee- for the diagnosis of a subsequent and different covered condition after
elected amount) a six month separation period
Child(ren): 25 percent Employees must be actively at work to elect this beneit
of employee-elected
amount Covered Conditions
Portable—coverage is Paid at 100 Percent of Elected Amount Unless Otherwise Noted Below
portable which means you Amyotrophic lateral sclerosis Coronary artery disease (surgery)
can take this plan with you (Lou Gehrig’s disease) *
if you no longer work for Cancer Renal (kidney) failure
Franke Carcinoma in situ * Major organ transplant
Heart attack Paralysis
Franke * Paid at 25 percent of elected beneit amount Blindness
