Page 15 - 2018 Endeavor Schools Benefit Guide

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Voluntary Benefits

Critical Illness Accident
It takes a lot to beat a serious illness. Unfortunately, it If you were injured from an accident, chances are you
can also cost a lot. When you or a family member suffers will have expenses that you were not anticipating. Will
a serious illness like a stroke or heart attack, Critical you be prepared? Accident Insurance can help you
Illness Insurance can help with expenses that medical deal with those expenses. Benefit payments can help
insurance doesn’t cover like deductibles or out-of- you with your medical deductions and copays, and
pocket costs, or services like experimental treatment. cover household expenses like groceries, mortgage
Critical Illness supplements your medical and your payments and childcare, which can begin to pile up
disability income insurance. The lump sum benefit is if you have to take some time off from work. A $50
paid when you need it most, upon diagnosis, so you can Wellness Benefit is included in this policy.
rest assured that you will have funds to offset upcoming
out-of-pocket costs, and that you’ll have the flexibility Cigna’s coverage provides a lump-sum benefit based
to elect treatments with less worry about the cost. You on the type of injury you sustain or the type of treatment
have the option of choosing a $10,000 or $20,000 flat you need.
benefit. If you elect coverage for your spouse, it is 50% Examples of covered injuries include:
of the covered benefit.
• Broken bones

• Eye injuries
Covered Conditions
• Burns
Heart attack Blindness
• Ruptured discs
Major organ failure End-stage renal (kidney) failure • Torn ligaments

Occupational HIV Coronary artery bypss surgery, pays • Concussion
Benign brain tumor 25% of lump sum benefit • Lacerations
Carcinoma in situ, pays 25% of lump • Coma due to a covered injury
Cancer
sum benefit
Covered Conditions with time limitations Some covered expenses include:
Stroke • Emergency room treatment
Coma • Occupational therapy
• Outpatient surgery facility
Permanent paralysis
• Speech therapy
• Doctor office visit
• Chiropractic visit
• Hospitalization

• Physical therapy
See the schedule of benefits for a full list of covered
injuries and expenses.