Critical Illness Insurance

Critical Illness Insurance  

Overview

Could your bank account survive a serious illness? Be prepared with group critical illness insurance from Unum.

Who’s at risk?

 

Every 40 seconds, someone in the U.S. has a heart attack or stroke.* And someone is diagnosed with cancer every 3 minutes.** If you are being treated for such critical illness, shouldn’t your primary focus be on getting well—not worrying about how to pay for your care?


Key advantage

You can use this coverage more than once. If you receive a full benefit payout for a covered illness, your coverage can be continued for the remaining covered conditions. The diagnosis of a new covered illness must occur at least 90 days after the most recent diagnosis. Each condition is payable once per lifetime.

How can critical illness insurance help?

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness. As an associate, you can choose the level of coverage — $5,000 up to a plan maximum of $50,000 in increments of $1,000 — and you can use the money any way you see fit. Health questions may be required.

Guaranteed Issue Amounts:
Employee: Up to $20,000
Spouse: Up to $10,000
Child: 25% of Employee Benefit Amount (Guaranteed Issue)

 

* American Heart Association/American Stroke Association, “Heart Disease and Stroke Statistics 2017,” http://www.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_491265.pdf
** National Cancer Institute, National Institutes of Health, “Cancer Statistics,” viewed at https://www.cancer.gov/about-cancer/understanding/statistics. This is computed by their statistic: “In 2016, an estimated 1,685,210 new cases of cancer will be diagnosed in the United States,” divided by the number of minutes in a year, 525,600.

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Tell Me More

Unum’s group critical illness insurance can help protect your finances from the expense of a serious health problem, such as a stroke or heart attack. Cancer coverage is also available. You choose a lump-sum benefit up to $50,000 that’s paid directly to you at the first diagnosis of a covered condition. You can use the benefit any way you choose.

What is covered?
Covered conditions:  

  • Heart attack
  • Blindness
  • Major organ failure
  • End-stage renal (kidney) failure
  • Occupational HIV
  • Coronary artery bypass surgery (pays 25% of lump-sum benefit)
  • Benign brain tumor


Covered conditions with time limitations:

  • Stroke (evidence of persistent neurological deficits confirmed at least 30 days after the event)
  • Coma (resulting from severe injury lasting 14 consecutive days or more)
  • Permanent paralysis (complete and permanent loss of the use of two or more limbs for a continuous 90 days as a result of a covered accident)


You may choose to select this benefit for an additional premium:

  • Cancer
  • Carcinoma in situ* (pays 25% of the lump-sum benefit)


Please refer to the policy for complete details about these covered conditions.


Advantages of the plan

  • Coverage is available to eligible employees who are actively at work.**
  • You can buy coverage for your spouse ages 17-64 with purchase of employee coverage.1 Benefit amount is from $5,000 to $30,000 in $1,000 increments.
  • All eligible dependent children ages newborn until their 26th birthday, regardless of marital or student status, are automatically covered at 25% of the employee benefit amount at no additional cost. Eligible children are covered for the same conditions as the employee and the following specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. Diagnosis must occur after the child’s coverage effective date.
  • You can use this coverage more than once. If you receive a full benefit payout for a covered illness, your coverage can be continued for the remaining covered conditions. The diagnosis of a new covered illness must occur at least 90 days after the most recent diagnosis and be medically unrelated. Each condition is payable once per lifetime.
  • You get affordable rates when you buy this coverage through your employer, and the premiums are conveniently deducted from your paycheck.
  • Coverage is portable. You may take the coverage with you if you leave the company or retire, without having to answer new health questions. Unum will bill you directly
  • Coverage becomes effective on the first day of the month in which payroll deductions begin.

 

Employees must be legally authorized to work in the U.S. and actively working at a U.S. location. Spouse and dependents must live in the U.S. to receive coverage.

*
Carcinoma in situ is defined as cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues.
**Eligible employees must be actively at work to apply for coverage. Being actively at work means on the day the employee applies for coverage, the individual must be working at one of his/her company’s business locations; or the individual must be working at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence.

1
Employees and spouses may be covered under a policy or the Spouse Rider, but not both.

This information is not intended to be a complete description of the insurance coverage available. The policy its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form CI-1 or contact your Unum representative.

THIS INSURANCE PROVIDES LIMITED BENEFITS

Underwritten by: Unum Life Insurance Company of America, Portland, Maine

unum.com

Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Unum complies with state civil union and domestic partner laws when applicable.

CE-13425 (5-18)

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Program Administrator

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-806-7013
 Hours
 M-F 9a-7p ET
 Email
employerbenefitsinquiries.service@mercer.com

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