Page 18 - 2020AONBenefitGuide
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Cigna Voluntary Benefits
Voluntary Critical Illness Insurance
Critical Illness insurance provides a cash beneit when a covered person is
diagnosed with a covered critical illness or event after coverage is in effect.
Who Can Elect Coverage
All active, full-time employees of the employer who are United States
citizens or permanent resident aliens regularly working a minimum of 24
hours per week in the United States.
You will be eligible for coverage the irst of the month after 60 days of
active service.
X Your spouse/domestic partner: Up to age 70, as long as you apply
for and are approved for coverage yourself
X Your child(ren): Birth to 26; 26+ if disabled, are automatically
enrolled as long as you apply for and are approved for
coverage yourself
Available Coverage
The beneit amounts shown will be paid regardless of the actual expenses
incurred. The beneit descriptions are a summary only. There are terms,
conditions, state variations, exclusions, and limitations applicable to these
beneits. Please read all of the information in this summary and your
certiicate of insurance for more information. All covered critical illness
Conditions must be due to disease or sickness.
Beneit Amount Guaranteed Issue Amount
Employee $20,000, $10,000, $5,000 Up to $20,000
Spouse 50% of employee amount Up to $10,000
Children 25% of employee amount All guaranteed issue
See “Guaranteed Issue” section below for more information.
Covered Cancer Conditions Beneit Amount
Skin Cancer* $250—1× per lifetime
Second Opinion Cancer $500—1× per lifetime
* For Childhood Conditions, the Initial Beneit Amount % listed above refers to the Employee’s
percentage amount. Please refer to the beginning of the Available Coverage section above for
details on how much coverage is available for covered children.
18 2020 Benefits Guide
Voluntary Critical Illness Insurance
Critical Illness insurance provides a cash beneit when a covered person is
diagnosed with a covered critical illness or event after coverage is in effect.
Who Can Elect Coverage
All active, full-time employees of the employer who are United States
citizens or permanent resident aliens regularly working a minimum of 24
hours per week in the United States.
You will be eligible for coverage the irst of the month after 60 days of
active service.
X Your spouse/domestic partner: Up to age 70, as long as you apply
for and are approved for coverage yourself
X Your child(ren): Birth to 26; 26+ if disabled, are automatically
enrolled as long as you apply for and are approved for
coverage yourself
Available Coverage
The beneit amounts shown will be paid regardless of the actual expenses
incurred. The beneit descriptions are a summary only. There are terms,
conditions, state variations, exclusions, and limitations applicable to these
beneits. Please read all of the information in this summary and your
certiicate of insurance for more information. All covered critical illness
Conditions must be due to disease or sickness.
Beneit Amount Guaranteed Issue Amount
Employee $20,000, $10,000, $5,000 Up to $20,000
Spouse 50% of employee amount Up to $10,000
Children 25% of employee amount All guaranteed issue
See “Guaranteed Issue” section below for more information.
Covered Cancer Conditions Beneit Amount
Skin Cancer* $250—1× per lifetime
Second Opinion Cancer $500—1× per lifetime
* For Childhood Conditions, the Initial Beneit Amount % listed above refers to the Employee’s
percentage amount. Please refer to the beginning of the Available Coverage section above for
details on how much coverage is available for covered children.
18 2020 Benefits Guide
