Page 11 - The Polyclinic New Hire Guide
P. 11
Critical Illness Benefits
Critical Illness Benefits
Critical Illness Insurance by Unum pays you a lump-sum beneit if you are diagnosed
with a covered illness. You choose the level of coverage—from $5,000 to $15,000
and you can use the money any way you see it. Spouse and child coverage is available
as well. During open enrollment, you can elect this coverage without medical
questions and lock in your rate at your current age. Coverage is portable which
means you may take the plan with you if you no longer work for The Polyclinic. This
plan also includes an annual $75 wellness beneit, payable to a covered
employee and spouse one time per year for certain wellness procedures Policy Conditions
and tests. Waiting period: diagnosis must occur
at least 30 days after the coverage
Covered Conditions (Paid at 100 Percent of Elected effective date to be eligible for beneits.
Benefit Amount Unless Otherwise Noted)
X Blindness X Cerebral palsy Pre-existing condition limitation:
Unum will not pay beneits for a claim
X Benign brain tumor X Cleft lip or palate which is caused by, contributed to,
X Coronary artery bypass surgery * X Cystic ibrosis or occurs as a result of a pre-existing
condition. A pre-existing condition
X End-stage renal failure X Down syndrome is a condition for which symptoms
X Heart attack X Spina biida existed (within 12 months before your
coverage effective date-may vary by
X Stroke Covered conditions due to state) which would cause a person to
Cancer coverage injury seek treatment from a physician or for
which a person was treated or received
Coma
X
X Cancer medical advice from a physician, or took
X Carcinoma in situ * X Permanent paralysis prescribed medicine. The determination
on whether you condition qualiies as a
Childhood conditions X Occupational HIV pre-existing will be based on the date
of disability and not the date you notify
* Paid at 25 percent of elected beneit amount
Unum.
11
Critical Illness Benefits
Critical Illness Insurance by Unum pays you a lump-sum beneit if you are diagnosed
with a covered illness. You choose the level of coverage—from $5,000 to $15,000
and you can use the money any way you see it. Spouse and child coverage is available
as well. During open enrollment, you can elect this coverage without medical
questions and lock in your rate at your current age. Coverage is portable which
means you may take the plan with you if you no longer work for The Polyclinic. This
plan also includes an annual $75 wellness beneit, payable to a covered
employee and spouse one time per year for certain wellness procedures Policy Conditions
and tests. Waiting period: diagnosis must occur
at least 30 days after the coverage
Covered Conditions (Paid at 100 Percent of Elected effective date to be eligible for beneits.
Benefit Amount Unless Otherwise Noted)
X Blindness X Cerebral palsy Pre-existing condition limitation:
Unum will not pay beneits for a claim
X Benign brain tumor X Cleft lip or palate which is caused by, contributed to,
X Coronary artery bypass surgery * X Cystic ibrosis or occurs as a result of a pre-existing
condition. A pre-existing condition
X End-stage renal failure X Down syndrome is a condition for which symptoms
X Heart attack X Spina biida existed (within 12 months before your
coverage effective date-may vary by
X Stroke Covered conditions due to state) which would cause a person to
Cancer coverage injury seek treatment from a physician or for
which a person was treated or received
Coma
X
X Cancer medical advice from a physician, or took
X Carcinoma in situ * X Permanent paralysis prescribed medicine. The determination
on whether you condition qualiies as a
Childhood conditions X Occupational HIV pre-existing will be based on the date
of disability and not the date you notify
* Paid at 25 percent of elected beneit amount
Unum.
11
