Page 17 - 2017 Employee Benefit Highlights

How can we help you today?
Assistance programs

Critical illness insurance | cigna.com

If you develop a critical illness, you want to be able to focus on your health – not
your finances. Critical Illness insurance pays a lump-sum cash benefit that can help Critical Illness insurance
handle expenses if you or a covered family member is diagnosed with a covered Cigna Health Screening Benefit
condition, which can include: Benefit amount: $100
• Invasive cancer • ALS (Lou Gehrig’s Disease)
• Heart attack • Blindness The Cigna Health Screening Benefit
• Major organ transplant • Paralysis is payable once per calendar year
• Stroke • Coronary artery disease per covered person for a Health
• Renal (kidney) failure • Carcinoma in situ Screening Test. Benefit Waiting
Period is 30 days following the
The Critical Illness plan is separate from Epicor’s medical plan and you do not effective date of the Health
have to be enrolled in the medical plan in order to voluntarily elect Critical Screening Benefit rider.
Illness Insurance.

Eligible Cigna Health Screening Tests
Use the cash how you see fit: include:
Even with medical plan coverage, you may have coinsurance and deductibles plus • Mammography
costs for items you didn’t expect that aren’t covered by traditional insurance • Pap Smear for women over age 18
including travel, child care, household expenses, and lost wages due to time away • Flexible sigmoidoscopy
from work. • Hemocult stool specimen
• Colonoscopy
The plan pays an additional benefit upon diagnosis of a second and different covered • Prostate Specific Antigen
condition. The second diagnosis must occur at least 6 months after the first (for prostate cancer)
diagnosis and payment will be equal to the lump sum amount.
• Stress test on a bicycle or treadmill
• Fasting blood glucose test
Costs are based on your age, who you choose to cover and selected benefit
amount. • Blood test for triglycerides
• Rates are monthly age banded per $1,000 • Serum cholesterol test to
• You can select a benefit amount of $5,000, $10,000, $15,000, or $20,000 determine levels of HDL and LDL
• Your spouse is eligible for 50% of the employee benefit amount • Bone marrow testing
• Your child(ren) is eligible for 25% of the employee benefit amount • Breast ultrasound
• CA 15-3 (blood test for breast
Enrolling is easy: To enroll online, visit https://home.eease.com/login. If you have cancer)
questions, call 800.754.3207 to speak to a customer service representative. • CA125 (blood test for ovarian
cancer)
• CEA (blood test for colon cancer)
Example of how Critical Illness insurance payouts • Chest X-ray
(Based on $10,000 lump sum benefit): • Serum protein electrophoresis
You - employee Your spouse Your child(ren) (blood test for myeloma)
1st diagnosis - Heart Attack 100% of benefit 50% of benefit 25% of benefit • Thermography
Initial Benefit Payout amount: $10,000 amount: $5,000 amount: $2,500

2nd diagnosis -Stroke 100% of benefit 50% of benefit 25% of benefit
Additional Benefit Payout amount: $10,000 amount: $5,000 amount: $2,500

Plan payout $20,000 $10,000 $5,000

16