Page 11 - VSolvit 2021 EB Brochure_Updated Aug 2021

VSolvit
2021 Employee Benefits Brochure

Additional Benefits

Unum Critical Illness Insurance with Optional Cancer – 100% Employee Paid
Pays money directly to you, in one lump sum, when you are diagnosed with certain serious
illnesses. You can use the money however you want.

Why is this ▪ Helps pay out-of-pocket medical expenses, like co-pays and deductibles
coverage so ▪ You can use this coverage more than once. Even after you receive a payout for one illness, you
valuable? are still covered for the remaining conditions.
If you are newly eligible you can elect up to $10,000 without any medical questions. If you already
have coverage you can elect additional coverage. If you did not elect coverage upon initial eligibility,
you can still enroll at this time.

You: Choose $5,000 to $50,000 of coverage in $5,000 increments. Coverage is guaranteed up to
$10,000 if you apply during this enrollment. If you do not sign up now, but decide to apply later, you
may have to answer medical questions.
Who can get Your Spouse: Spouses age 17 to 64 can get $5,000 to $10,000 of coverage during this enrollment.
coverage? Coverage is guaranteed up to $5,000 with no medical questions as long as you have purchased
coverage for yourself.

Your Children: Newborn to age 26 are automatically covered at no extra cost. Their coverage amount
is 50% of yours. They are covered for all the same illnesses, plus cerebral palsy, cleft lip or palate,
cystic fibrosis, Down syndrome, spina bifida. This diagnosis must occur after the child’s coverage
effective date.

There is a 12/12 pre-existing condition limitation.
Heart attack, blindness, major organ failure, end-stage kidney failure, benign brain tumor, coronary
artery
What’s bypass surgery, coma that lasts at least 14 consecutive days, stroke, permanent paralysis of at least
covered?
two limbs
Coverage is also available for: cancer and carcinoma in situ
Wellness benefit—Every year, each family member who has Critical Illness coverage can also receive

What else is $50 for getting a health screening test, such as: Blood tests, Chest X-rays, Stress test, Colonoscopies,
included? Mammograms and other tests listed in your policy.
Portable. You can keep your coverage if you change jobs or retire

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