Group Critical Illness

Unum's Group Critical illness benefit can pay a lump sum benefit at the diagnosis of a covered illness. You choose the level of coverage — from $5,000 to $50,000 — and you can use the money any way you see fit.

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 by a neurologist at least 30 days after the event
  • Coma - Coma resulting from severe traumatic brain injury lasting for a period of 14 or more consecutive days
  • Permanent paralysis - Complete and permanent loss of the use of two or more limbs for continuous 90 days as a result of a covered accident

Cancer conditions:
  • Cancer Carcinoma in situ; pays 25% of lump sum benefit

Eligibility
All regular full-time associates with at least ninety (90) days of company service as of January 1st are eligible to enroll in the Group Critical Illness Plan during the annual Open Enrollment period only. The associate must be actively at work to be eligible to apply for coverage.

Available family coverage:
  • Associate must be covered in order to apply for any family member to be covered.
  • Spouse age is 17-64 years old.
  • Child coverage is available to your children, stepchildren, legally adopted children and grandchildren –newborns until their 26th birthday, regardless of marital or student status
Plan Features
  • Health screening/wellness benefit
    • Reimbursement increased from $50 to $75 for health screenings taken 5/1/12 and after
  • Coverage is not available if you have been diagnosed with any of the specified critical illnesses within the last 10 years
  • Benefit is paid in a lump sum amount up to 100% of the policy
Reduction of benefits
The benefit amounts for associate and spouse reduce by 50% on the first policy anniversary after the insured individual’s 70th birthday, or five years after the policy date, whichever is later. Premiums for the policy will not be reduced. If partial benefits for coronary artery bypass surgery or carcinoma in situ are paid prior to the reduction of benefits, then the new benefit amount will be calculated by applying the 50% to the benefit amount reduced by the prior payout.


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