Page 19 - Dentons 2021 Benefits Guide Mainland
P. 19
2021
Dentons Benefits Guide
CRITICAL ILLNESS AND GROUP
ACCIDENT INSURANCE
If you’re concerned about the financial impact large medical expenses can have on you and
your family if you or they are diagnosed with a serious illness or sustain a serious injury, consider
enrolling in Critical Illness or Group Accident coverage through Unum.
Critical Illness Coverage %
Conditions
Amount
The Critical Illness group plan pays a lump-sum Additional Critical Illnesses for Your Children
benefit if a covered person is diagnosed with Cerebral Palsy 100%
the following conditions. Cleft Lip or Palate 100%
100%
Cystic Fibrosis
Employees—Election amount is $10,000, Down Syndrome 100%
$20,000, or $30,000 Spina Bifida 100%
Spouses—election is 50% of employee’s * Limitations apply to recurring or multiple conditions, see
coverage amount policy details.
Children—coverage is automatically Be Well—Wellness Credit
included at 50% of employee’s elected
amount Employees, spouses, and children are able to
receive wellness credits once per year, based on
Coverage % the amount of coverage elected:
Conditions Amount
Critical Illnesses $50 credit for $10,000 in coverage
Coronary Artery Disease 50% $75 credit for $20,000 in coverage
(Major)*
Coronary Artery Disease 10% $125 credit for $30,000 in coverage
(Minor)*
End Stage Renal Failure* 100% Monthly Critical Illness Rates
Heart Attack* 100%
Major Organ Transplant* 100% for Employees and Spouses
Cancer
Invasive Cancer* 100% Monthly Rates Per $1,000 of coverage
Non-Invasive Cancer* 25% Current Age Employee Spouse
Skin Cancer $500 0-24 $0.32 $0.47
Supplemental Critical Illnesses 25-29 $0.39 $0.54
Benign Brain Tumor* 100% 30-34 $0.50 $0.65
Coma* 100% 35-39 $0.65 $0.80
$1.02
40-44
$0.87
Complete Loss of Hearing 100% 45-49 $1.19 $1.34
Complete Blindness 100% 50-54 $1.63 $1.79
Complete Loss of Speech 100% 55-59 $2.24 $2.39
Infectious Disease 25% 60-64 $3.18 $3.33
Occupational Human 100% 65-69 $4.64 $4.79
Immunodeficiency Virus (HIV) 70-74 $7.08 $7.23
or Hepatitis
$10.15
Permanent Paralysis 100% 75-79 $14.39 $10.30
$14.54
80-84
Progressive Diseases
Lou Gehrig’s Disease/(ALS) 100% 85+ $22.90 $23.05
Coverage begins on the enrolled date.
Dementia 100%
Functional Loss 100% See additional Unum benefit information on the Dentons
Multiple Sclerosis 100% Portal. Employee and Spouse rates based on employee’s
Parkinson’s Disease 100% age.
Please refer to the policy for complete definitions of
covered conditions, exclusions and limitations. 19
Dentons Benefits Guide
CRITICAL ILLNESS AND GROUP
ACCIDENT INSURANCE
If you’re concerned about the financial impact large medical expenses can have on you and
your family if you or they are diagnosed with a serious illness or sustain a serious injury, consider
enrolling in Critical Illness or Group Accident coverage through Unum.
Critical Illness Coverage %
Conditions
Amount
The Critical Illness group plan pays a lump-sum Additional Critical Illnesses for Your Children
benefit if a covered person is diagnosed with Cerebral Palsy 100%
the following conditions. Cleft Lip or Palate 100%
100%
Cystic Fibrosis
Employees—Election amount is $10,000, Down Syndrome 100%
$20,000, or $30,000 Spina Bifida 100%
Spouses—election is 50% of employee’s * Limitations apply to recurring or multiple conditions, see
coverage amount policy details.
Children—coverage is automatically Be Well—Wellness Credit
included at 50% of employee’s elected
amount Employees, spouses, and children are able to
receive wellness credits once per year, based on
Coverage % the amount of coverage elected:
Conditions Amount
Critical Illnesses $50 credit for $10,000 in coverage
Coronary Artery Disease 50% $75 credit for $20,000 in coverage
(Major)*
Coronary Artery Disease 10% $125 credit for $30,000 in coverage
(Minor)*
End Stage Renal Failure* 100% Monthly Critical Illness Rates
Heart Attack* 100%
Major Organ Transplant* 100% for Employees and Spouses
Cancer
Invasive Cancer* 100% Monthly Rates Per $1,000 of coverage
Non-Invasive Cancer* 25% Current Age Employee Spouse
Skin Cancer $500 0-24 $0.32 $0.47
Supplemental Critical Illnesses 25-29 $0.39 $0.54
Benign Brain Tumor* 100% 30-34 $0.50 $0.65
Coma* 100% 35-39 $0.65 $0.80
$1.02
40-44
$0.87
Complete Loss of Hearing 100% 45-49 $1.19 $1.34
Complete Blindness 100% 50-54 $1.63 $1.79
Complete Loss of Speech 100% 55-59 $2.24 $2.39
Infectious Disease 25% 60-64 $3.18 $3.33
Occupational Human 100% 65-69 $4.64 $4.79
Immunodeficiency Virus (HIV) 70-74 $7.08 $7.23
or Hepatitis
$10.15
Permanent Paralysis 100% 75-79 $14.39 $10.30
$14.54
80-84
Progressive Diseases
Lou Gehrig’s Disease/(ALS) 100% 85+ $22.90 $23.05
Coverage begins on the enrolled date.
Dementia 100%
Functional Loss 100% See additional Unum benefit information on the Dentons
Multiple Sclerosis 100% Portal. Employee and Spouse rates based on employee’s
Parkinson’s Disease 100% age.
Please refer to the policy for complete definitions of
covered conditions, exclusions and limitations. 19
