Page 17 - Benefit Guide

Voluntary plans

Accident Insurance Critical Illness Insurance

Accident Insurance provides benefits to help cover the Critical Illness Insurance provides cash to help pay for
costs associated with unexpected bills due to covered both medical expenses not covered by your medical plan
accidents, regardless of any other insurance you have. as well as day-to-day expenses that may start to add up —
If you purchase coverage and are hurt in a covered like rent, mortgage, car payments, etc. — while you are ill.
accident, you will receive a cash benefit for covered With Critical Illness Insurance, if you are diagnosed with a
injuries that you may spend as you like. covered illness, you get a lump-sum cash benefit, even if
you receive other insurance benefits.

Coverage amounts XX Plan Coverage amounts

XX Plan Same as XX Plan + a Employee Spouse Child(ren)
Sickness and Accident
Cash benefit based on type Hospital Confinement Benefit $XX,000, $XX,000, XX% of employee
of accident (ranges from ($X,000 or $X,000 additional $XX,000 or $XX,000 or coverage amount
$XXX-XXX) benefit for hospitalization) $XX,000 $XX,000

Examples of covered injuries: Examples of covered illnesses:

΅΅ Broken bones ΅΅ Cancer
΅΅ Burns ΅΅ Heart attack
΅΅ Torn ligaments ΅΅ Major organ failure
΅΅ Cuts repaired by stitches ΅΅ End-stage renal (kidney) failure
΅΅ Eye injuries ΅΅ Coronary artery bypass graft surgery
΅΅ Ruptured discs ΅΅ Stroke
΅΅ Concussion
Your initial benefit provides a lump-sum payment upon
the first diagnosis of a covered condition. Your plan pays
a recurrence benefit at XX% of the initial benefit for the
following covered conditions: XX.

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