Page 20 - NC OE Guide
P. 20
Specified Disease
Specified Disease—NEW!
Covered Conditions (Paid
at 100 Percent of Elected Speciied Disease insurance by UNUM, often referred to as Critical
Amount Unless Otherwise Illness insurance, pays you a lump-sum beneit if you are diagnosed
Noted Below) with a covered illness. You can choose the level of coverage you want
Cancer and can use the money any way you see it. Much like a life insurance
Carcinoma in Situ * policy which pays your beneiciary a lump sum upon death, this Critical
Illness policy pays a beneit to YOU if you or a covered dependent are
Heart attack
diagnosed or incur a covered critical illness.
Coronary artery bypass surgery *
X Guaranteed issue—each year, during the initial open enrollment,
Stroke you can elect this coverage without medical questions; each year
End stage renal (kidney) failure during open enrollment, you may elect coverage without providing
Major organ failure evidence of insurability
Z Employee: up to $20,000
Permanent paralysis as the result of
a covered accident Z Spouse: up to $10,000
Coma as the result of severe Z Child(ren): 25 percent of employee-elected amount for no
traumatic brain injury additional cost
Blindness X Portable—coverage is portable which means you can take this plan
Benign brain tumor with you if you no longer work for Mitchell Gold + Bob Williams
X Issue age rates—your rates lock in at your current age and do not
Occupational HIV
increase as you age
Additional covered conditions for
dependent children: cerebral palsy, X Wellness—this plan also includes an annual $50 wellness beneit,
cleft lip or palate, cystic ibrosis, payable to a covered employee and spouse one time per year for
down syndrome, and spina biida certain wellness procedures and tests
* Paid at 25 percent of elected beneit X Pre-existing conditions—none apply; pre-existing conditions have
amount
been waived from this plan which means that coverage applies for
any of the covered critical illnesses which are diagnosed or occur
30-days after the plan’s effective date
X Waiting period—diagnosis must occur at least 30 days after the
coverage effective date to be eligible for beneits
Premiums are based on your current age and tobacco usage and will be available
through the MG+BW Lockton Marketplace online website as well as additional plan
details.
20
2015 Open Enrollment
Specified Disease—NEW!
Covered Conditions (Paid
at 100 Percent of Elected Speciied Disease insurance by UNUM, often referred to as Critical
Amount Unless Otherwise Illness insurance, pays you a lump-sum beneit if you are diagnosed
Noted Below) with a covered illness. You can choose the level of coverage you want
Cancer and can use the money any way you see it. Much like a life insurance
Carcinoma in Situ * policy which pays your beneiciary a lump sum upon death, this Critical
Illness policy pays a beneit to YOU if you or a covered dependent are
Heart attack
diagnosed or incur a covered critical illness.
Coronary artery bypass surgery *
X Guaranteed issue—each year, during the initial open enrollment,
Stroke you can elect this coverage without medical questions; each year
End stage renal (kidney) failure during open enrollment, you may elect coverage without providing
Major organ failure evidence of insurability
Z Employee: up to $20,000
Permanent paralysis as the result of
a covered accident Z Spouse: up to $10,000
Coma as the result of severe Z Child(ren): 25 percent of employee-elected amount for no
traumatic brain injury additional cost
Blindness X Portable—coverage is portable which means you can take this plan
Benign brain tumor with you if you no longer work for Mitchell Gold + Bob Williams
X Issue age rates—your rates lock in at your current age and do not
Occupational HIV
increase as you age
Additional covered conditions for
dependent children: cerebral palsy, X Wellness—this plan also includes an annual $50 wellness beneit,
cleft lip or palate, cystic ibrosis, payable to a covered employee and spouse one time per year for
down syndrome, and spina biida certain wellness procedures and tests
* Paid at 25 percent of elected beneit X Pre-existing conditions—none apply; pre-existing conditions have
amount
been waived from this plan which means that coverage applies for
any of the covered critical illnesses which are diagnosed or occur
30-days after the plan’s effective date
X Waiting period—diagnosis must occur at least 30 days after the
coverage effective date to be eligible for beneits
Premiums are based on your current age and tobacco usage and will be available
through the MG+BW Lockton Marketplace online website as well as additional plan
details.
20
2015 Open Enrollment
