Critical Illness insurance pays a lump sum benefit upon a diagnosis and claim of a covered condition. This is a supplemental policy to your medical plan (a limited benefit policy) designed to help a family navigate back to health & work with a less stressful recovery.
Covered conditions include, but are not limited to heart attack, stroke, organ transplant and cancer.
Includes a 2x total benefit amount multiplier, meaning covered conditions which may naturally reoccur are payable up to two times. 12 month waiting between subsequent (same) diagnosis, 0 month between different diagnosis
Guaranteed Issue: No medical questions or tests are required for coverage.
No Pre-Existing Limitations
Employee:
Employees can choose from the following coverage amounts:
- $5,000
- $10,000
- $15,000
- $20,000
- Premium Rates are based on Issue Age & Tobacco status
Spouse:
Spouse can choose from the following coverage amounts:
- $5,000
- $10,000
- $15,000
- $20,000
- Employee must have coverage in order for spouse to elect coverage.
- Spouse Coverage cannot exceed 100% of Employee’s Coverage.
- Spouse Premium Rates are based on Spouse’s Issue Age (not to exceed age 69) & Tobacco status.
Children:
- Employee must have coverage in order for Children to have coverage
- Unmarried Children to age 26 are covered for 25% of employee’s coverage amount.
- Child Coverage also Includes an Additional Child Disease Module
CERTIFICATE OF COVERAGE:
Employee/ Spouse Monthly Premium – Non-Tobacco
| Age | $5,000 | $10,000 | $15,000 | $20,000 |
| 0-29 | $2.75 | $4.25 | $5.75 | $7.25 |
| 30-39 | $3.50 | $5.75 | $8.00 | $10.25 |
| 40-49 | $8.10 | $14.95 | $21.80 | $28.65 |
| 50-59 | $9.60 | $17.95 | $26.30 | $34.65 |
| 60-64 | $14.25 | $27.25 | $40.25 | $53.25 |
| 65-69 | $17.00 | $32.75 | $48.50 | $64.25 |
| 70-99 | $22.50 | $43.75 | $65.00 | $86.25 |
Employee/ Spouse Monthly Premium – Tobacco
| Age | $5,000 | $10,000 | $15,000 | $20,000 |
| 0-29 | $3.55 | $5.85 | $8.15 | $10.45 |
| 30-39 | $4.80 | $8.35 | $11.90 | $15.45 |
| 40-49 | $12.75 | $24.25 | $35.75 | $47.25 |
| 50-59 | $17.35 | $33.45 | $49.55 | $65.65 |
| 60-64 | $22.70 | $44.15 | $65.60 | $87.05 |
| 65-69 | $26.95 | $52.65 | $82.25 | $109.25 |
| 70-99 | $33.55 | $65.85 | $98.15 | $130.45 |
- Spouse coverage available if Employee elects coverage
- Children (Unmarried to age 26) coverage available if Employee elects coverage
WELLNESS BENEFIT
Plan includes an Annual Wellness Benefit when a covered person has a health screening test and submits a wellness claim.
- Covered Employee – $50
- Covered Spouse – $50
- Each Covered Child – $25 (50% of employee’s amount), up to an Annual Maximum of $100 total
- Wellness Claims Checklist & FAQ
- Submit a Wellness Claim Online
- Submit a Wellness Claim Paper Form
ADDITIONAL INFORMATION:
- Critical Illness Claims Checklist & FAQ
- Submit a Critical Illness Claim Online
- Critical Illness Flyer ~ Explore Your Benefits
- Voya Employee Benefits Resource Center
PORTABILITY
Benefit is portable, under age 70, at portability rates. Which means if you leave your current employer or retire, you can take the policy with you.