Page 16 - Dentons 2021 Benefits Guide Hawaii
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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 Conditions Coverage %
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%
100%
Cleft Lip or Palate
the following conditions. Cystic Fibrosis 100%
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
policy details.
coverage amount
Children—coverage is automatically Be Well—Wellness Credit
included at 50% of employee’s elected Employees, spouses, and children are able to
amount receive wellness credits once per year, based on
Coverage % the amount of coverage elected:
Conditions Amount $50 credit for $10,000 in coverage
Critical Illnesses
Coronary Artery Disease (Major)* 50% $75 credit for $20,000 in coverage
Coronary Artery Disease (Minor)* 10% $125 credit for $30,000 in coverage
End Stage Renal Failure* 100%
Heart Attack* 100%
Major Organ Transplant* 100% Monthly Critical Illness Rates
Cancer for Employees and Spouses
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
Complete Loss of Hearing 100% 40-44 $0.87 $1.02
Complete Blindness 100% 45-49 $1.19 $1.34
Complete Loss of Speech 100% 50-54 $1.63 $1.79
Infectious Disease 25% 55-59 $2.24 $2.39
Occupational Human 100% 60-64 $3.18 $3.33
Immunodeficiency Virus (HIV) or 65-69 $4.64 $4.79
Hepatitis 70-74 $7.08 $7.23
Permanent Paralysis 100% 75-79 $10.15 $10.30
Progressive Diseases 80-84 $14.39 $14.54
Lou Gehrig’s Disease/(ALS) 100% 85+ $22.90 $23.05
Dementia 100% Coverage begins on the enrolled date.
Functional Loss 100%
Multiple Sclerosis 100% See additional Unum benefit information on the Dentons
Parkinson’s Disease 100% Portal. Employee and Spouse rates based on employee’s
age.
Please refer to the policy for complete definitions of
covered conditions, exclusions and limitations.
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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 Conditions Coverage %
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%
100%
Cleft Lip or Palate
the following conditions. Cystic Fibrosis 100%
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
policy details.
coverage amount
Children—coverage is automatically Be Well—Wellness Credit
included at 50% of employee’s elected Employees, spouses, and children are able to
amount receive wellness credits once per year, based on
Coverage % the amount of coverage elected:
Conditions Amount $50 credit for $10,000 in coverage
Critical Illnesses
Coronary Artery Disease (Major)* 50% $75 credit for $20,000 in coverage
Coronary Artery Disease (Minor)* 10% $125 credit for $30,000 in coverage
End Stage Renal Failure* 100%
Heart Attack* 100%
Major Organ Transplant* 100% Monthly Critical Illness Rates
Cancer for Employees and Spouses
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
Complete Loss of Hearing 100% 40-44 $0.87 $1.02
Complete Blindness 100% 45-49 $1.19 $1.34
Complete Loss of Speech 100% 50-54 $1.63 $1.79
Infectious Disease 25% 55-59 $2.24 $2.39
Occupational Human 100% 60-64 $3.18 $3.33
Immunodeficiency Virus (HIV) or 65-69 $4.64 $4.79
Hepatitis 70-74 $7.08 $7.23
Permanent Paralysis 100% 75-79 $10.15 $10.30
Progressive Diseases 80-84 $14.39 $14.54
Lou Gehrig’s Disease/(ALS) 100% 85+ $22.90 $23.05
Dementia 100% Coverage begins on the enrolled date.
Functional Loss 100%
Multiple Sclerosis 100% See additional Unum benefit information on the Dentons
Parkinson’s Disease 100% Portal. Employee and Spouse rates based on employee’s
age.
Please refer to the policy for complete definitions of
covered conditions, exclusions and limitations.
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