Page 16 - 2016 New Hire Guide (Non-PA)
P. 16
New Hire Guide
Critical Illness Insurance
Covered Conditions (Paid
At 100 Percent Of Elected
Amount Unless Otherwise Critical illness insurance by Unum pays you a lump-sum beneit if
Noted Below) you are diagnosed with a covered illness. You can choose the level of
Cancer coverage you want and can use the money any way you see it. Much
Carcinoma in situ* like a life insurance policy pays your beneiciary a lump sum upon
death, this critical illness policy pays a beneit to YOU if you or a
Heart attack covered dependent are diagnosed or incur a covered critical illness.
Coronary artery bypass surgery*
Guaranteed issue—each year during open enrollment, you can
Stroke elect this coverage without medical questions
End stage renal (kidney) failure Employee: up to $15,000
Major organ failure Spouse: up to $10,000
Permanent paralysis as the result of a Child(ren): 25 percent of employee-elected amount for no
covered accident additional cost
Coma as the result of severe Portable—coverage is portable which means you can take this
traumatic brain injury plan with you if you no longer work for the company
Blindness Issue age rates—your rates lock in at your current age and do not
Benign brain tumor increase as you age
Pre-existing conditions—if you had treatment or sought medical
Occupational HIV
attention for a condition three months prior to the effective date
Additional covered conditions for of the plan and that condition caused the diagnosis or occurrence
dependent children: cerebral palsy, of a covered critical illness, beneits would not be payable; after
cleft lip or palate, cystic ibrosis, down
syndrome and spina biida you have had the Unum critical illness plan for 12-months, there
* Paid at 25 percent of elected beneit is no longer a pre-existing condition exclusion
amount
Waiting period—diagnosis must occur at least 30 days after the
coverage effective date to be eligible for beneits
Premiums are based on your current age and tobacco usage and will
be available through the online enrollment site.
16
Critical Illness Insurance
Covered Conditions (Paid
At 100 Percent Of Elected
Amount Unless Otherwise Critical illness insurance by Unum pays you a lump-sum beneit if
Noted Below) you are diagnosed with a covered illness. You can choose the level of
Cancer coverage you want and can use the money any way you see it. Much
Carcinoma in situ* like a life insurance policy pays your beneiciary a lump sum upon
death, this critical illness policy pays a beneit to YOU if you or a
Heart attack covered dependent are diagnosed or incur a covered critical illness.
Coronary artery bypass surgery*
Guaranteed issue—each year during open enrollment, you can
Stroke elect this coverage without medical questions
End stage renal (kidney) failure Employee: up to $15,000
Major organ failure Spouse: up to $10,000
Permanent paralysis as the result of a Child(ren): 25 percent of employee-elected amount for no
covered accident additional cost
Coma as the result of severe Portable—coverage is portable which means you can take this
traumatic brain injury plan with you if you no longer work for the company
Blindness Issue age rates—your rates lock in at your current age and do not
Benign brain tumor increase as you age
Pre-existing conditions—if you had treatment or sought medical
Occupational HIV
attention for a condition three months prior to the effective date
Additional covered conditions for of the plan and that condition caused the diagnosis or occurrence
dependent children: cerebral palsy, of a covered critical illness, beneits would not be payable; after
cleft lip or palate, cystic ibrosis, down
syndrome and spina biida you have had the Unum critical illness plan for 12-months, there
* Paid at 25 percent of elected beneit is no longer a pre-existing condition exclusion
amount
Waiting period—diagnosis must occur at least 30 days after the
coverage effective date to be eligible for beneits
Premiums are based on your current age and tobacco usage and will
be available through the online enrollment site.
16
