Page 38 - 2022 Insurity OE Guide FINAL

Reliance Standard Voluntary

Benefits – Critical Illness Plan

Coverage Benefit Amount

Voluntary Critical Illness insurance provides a fixed, Employee: Choose from a benefit of $5,000 to a
lump-sum benefit upon diagnosis of a critical illness, maximum of $30,000 in $1,000 increments.
which can include heart attack, stroke, paralysis and
Spouse: Choose from a benefit of $5,000 to a maximum
more. These benefits are paid directly to you and
of $30,000 in $1,000 increments, not to exceed 100% of
may be used for any reason, from deductibles and
approved employee amount.
prescriptions to transportation and child care.
Dependent child(ren): 50% of approved employee
Eligibility amount up to a maximum of $15,000.

Employees: All eligible employees. Guaranteed Issue
Dependents: The employee must be enrolled in Critical Employee: $30,000
Illness coverage in order for dependents to be covered. Spouse: $30,000

Dependents are: Child: All child amounts are Guaranteed Issue
O Your legal spouse or your domestic partner. Spouse
must be under age 70 at date of application.
Coverage terminates at age 75. Plan Features Also Include:
O Your dependent children from birth to 26 years. O Lifetime Maximum Benefit – 1,000% of
insurance amount
Dependent children are an eligible employee’s child(ren)
O Recurrence Benefit (Same Illness) – 50% of
from birth to 26 years, including natural children, legally
benefit if diagnosed six months or later
adopted children, children who are dependent on the
O FMLA / MSLA Continuation
eligible employee during the waiting period before
O Portability to employee age 70
adoption, stepchildren and foster children. Foster children
O Wellness (Health Screening) Benefit – $100
must be in the custody of the eligible employee to be
considered a dependent; and an eligible employee’s – To submit for your wellness credit, visit
child(ren) beyond the limiting age who is incapable of self- www.rslclaims.com and enter Policy
sustaining employment by reason of intellectual disability Number 802980
or physical handicap and who is chiefly dependent on the
eligible employee for support and maintenance.
A person may not have coverage as both an employee Important Information
and dependent.
O You may not have coverage as
Exclusions: For a comprehensive list of exclusions and
both an employee and as a dependent.
limitations, please refer to the plan documents, which
O Employee must have coverage
also provides all requirements necessary to be eligible
in order for spouse and dependent
for benefits.
38 child(ren) to be covered.