Page 15 - 2022 Drive Open Enrollment Guide - Non Union

Worksite benefits - Unum

Critical Illness Insurance

Critical Illness Insurance provides cash to help pay for both medical expenses not covered by your medical plan as well as
day-to-day expenses that may start to add up — like rent, mortgage, car payments, etc. —while you are ill. With Critical Illness
Insurance, if you are diagnosed with a covered illness, you get a lump-sum cash benefit, even if you receive other insurance
benefits.
If you are diagnosed with any of the following critical
Coverage amounts illnesses, you will receive a lump-sum benefit equal to the
percentage below based on the benefit you elect.
Employee Spouse Child(ren)
$15,000 or 100% of 50% of Percentage of
Covered Conditions
employee employee Coverage Amount
$30,000
coverage coverage Invasive Cancer (including all Breast 100%
amount amount Cancer)
Non-Invasive Cancer 25%
This plan includes a wellness benefit (once per covered person per calendar year)
equal to $50 if you receive any of the following screenings.
Stroke 100%
Wellness Screenings include but are not limited to: Kidney Failure/ESRD 100%
• Cholesterol and Diabetes screenings
• Cancer screenings Heart Attack (Myocardial Infarction) 100%
• Cardiovascular Function screenings Carcinoma in situ 25%
• Imaging Studies
• Annual Examinations by a Physician Advanced Alzheimer's Disease 100%
• Immunizations Major Organ Failure Requiring
100%
Transplant
This plan has a pre-existing condition limitation which applies to late entrants and
increases. Benefits are not payable when a date of diagnosis for a covered loss Coronary Artery Bypass (Graft or 50%
occurs in the first 6 months following a member’s effective date and the covered surgery)
loss is caused by, contributed to by, or occurs as a result of any of the following:
• a Pre-existing Condition; or complications arising from treatment or surgery Alzheimer's Disease 100%
for, or medications taken for, a Pre-existing Condition. Coronary Artery Disease 50%
• Pre-existing Condition: if, within the 6 months just prior to their Coverage
Effective Date, an Insured has an Injury or Sickness for which medical advice Skin Cancer $500
was given or treatment was received or recommended to be received during
that period. 15