What can living with a critical illness mean to you?
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1 What can living with a critical illness mean to you? Daily out-of-pocket expenses for fighting the disease while still paying your bills! GROCERIES CAR HOME PRESCRIPTIONS Group Comprehensive Critical Illness Insurance Provides lump-sum cash benefits that can help with daily expenses associated with a covered critical illness Group Comprehensive Critical Illness Insurance from Allstate Benefits can help you cover the out-of-pocket expenses associated with a critical illness or you can use the benefits however you wish. ABJ33599X Page 1 of 4 (CCI)
2 group comprehensive critical illness insurance No one knows what lies ahead on the road through life. Will you be diagnosed with cancer? Will you suffer a stroke or a heart attack? The signs pointing to a critical illness are not always clear. Critical illnesses may not be preventable, but our coverage can help offer financial protection in the event you are diagnosed. Group Comprehensive Critical Illness Insurance can help offer peace of mind when a covered critical illness diagnosis occurs. Below are two examples of how benefits might be paid. James Smith chooses a $15,000 face amount during his enrolment Six months later he suffers a heart attack, he is hospitalized for three days, and then he is released. He is expected to make a full recovery. Our Group Comprehensive Critical Illness benefit provided James with the following: Heart Attack (100%) $ 15,000 Total Benefits: $15,000 Jane Adams chooses a $15,000 face amount during her enrolment One month later, Jane s doctor tells her she needs aortic surgery to repair a diseased section of her aorta. She has aortic surgery right away. One year later, she undergoes a coronary artery bypass surgery to unblock an artery to allow blood to flow to her heart. Our Group Comprehensive Critical Illness benefit provided Jane with the following: Aortic Surgery (100%) $ 15,000 Bypass Surgery (100%) $ 15,000 Total Benefits: $30,000 James received a $15,000 cash benefit for his Heart Attack. Jane required Aortic Surgery which provided a $15,000 cash benefit, and then received a $15,000 cash benefit for her Coronary Artery Bypass Surgery procedure. Coverage for remaining covered critical illnesses and Waiver of Premium will continue for both James and Jane. The example shown may vary from the plan your employer is offering. Your individual experience may also vary. meeting your needs Our Group Comprehensive Critical Illness Insurance coverage helps offer financial support should a covered critical illness be diagnosed. Guaranteed issue amounts available which means no evidence of insurability required at initial enrolment* Comprehensive Critical Illness benefits plus Waiver of Premium Benefits paid directly to you Coverage supplements your existing health care Covered dependents, if included, receive 50% of your basic-benefit amount Portable you can take the coverage with you if you leave employment * Enrolling after your initial enrolment period requires evidence of insurability. your benefit coverage A percentage of the basic-benefit amount is payable for each covered person under the Group Comprehensive Critical Illness Insurance plan. Each covered critical illness is payable only once per covered person, with at least 90 days separating each covered critical illness. Once the basic-benefit amount has been paid for each covered critical illness, no more benefits are payable for that covered person. COMPREHENSIVE CRITICAL ILLNESS BENEFITS Heart Attack (100%) Pays a benefit when you have a heart attack. Stroke (100%) Pays a benefit when you have a stroke. Major Organ Failure (Transplant or Waiting List) (100%) Pays a benefit when you receive a major organ transplant, or are placed on an organ transplant waiting list. Kidney Failure (100%) Pays a benefit when you have kidney failure. Carcinoma in Situ (25%) Pays a benefit when you are diagnosed with cancer in situ. Invasive Cancer (100%) Pays a benefit when you are diagnosed with invasive cancer. Alzheimer s Disease (100%) Pays a benefit when you are diagnosed with Alzheimer s Disease. Parkinson s Disease (100%) - Pays a benefit when you are diagnosed with Parkinson s Disease. Page 2 of 4 ABJ33599X Benefit amounts are shown on pages 2a and/or 2b.
3 Chest pains occurring October 18 A doctor visit is scheduled Tests results show heart attack You get a cash benefit Coronary Artery Bypass Surgery (100%) - Pays a benefit when you have coronary artery bypass surgery. Multiple Sclerosis (100%) - Pays a benefit when you are diagnosed with multiple sclerosis. Paralysis (100%) - Pays a benefit when you suffer a complete and permanent loss of use of two or more limbs. Deafness (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of hearing in both ears. Blindness (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of sight in both eyes. Aortic Surgery (100%) - Pays a benefit when you require surgery to replace a diseased thoracic or abdominal aorta with a graft. Benign Brain Tumour (100%) - Pays a benefit when you are diagnosed with a brain tumour by biopsy, surgery or examination. Coma (100%) - Pays a benefit when you are unconscious for more than 14 consecutive days. Severe Burns (100%) - Pays a benefit when you are diagnosed with third degree burns over more than 20% of your body. Loss of Speech (100%) - Pays a benefit when you are diagnosed with total and irreversible loss of the ability to speak due to injury or disease. Waiver of Premium (Employee/Member only) - Pays your premium if you are disabled for a minimum of 90 days in a row due to a critical illness (for which a benefit has been paid) for as long as the disability lasts, for up to 2 years. CERTIFICATE SPECIFICATIONS Employee/Member/Dependent Eligibility - Your employer determines your eligibility. Family members eligible include your spouse and children, domestic partner and domestic partner s children. Employee/Member/Dependent Termination of Coverage - Coverage ends when the policy is terminated, premiums aren t paid, last day of active employment, you are no longer eligible, a false claim is filed, or when all critical illness benefits have been paid. Child(ren) coverage ends at age 21; 25 if in full-time attendance at an institution of higher learning. Spouse, upon valid decree of divorce or your death. Domestic partner, when the domestic partnership ends or your death. If coverage ends for any reason other than non-payment of premiums, a false claim filed, or all critical illness benefits being paid, you may be able to continue your coverage. Refer to the Portability Privilege below and in the issued certificates. Portability Privilege - Coverage may be continued when coverage under policy ends. BENEFIT CONDITIONS Benefits are not payable for any critical illness diagnosed prior to the effective date; subject to exclusions and limitations. All critical illnesses must meet the definitions and dates of diagnoses (must be separated by 90 days) for each illness stated in the policy and be diagnosed by a physician while coverage is in effect. Emergency situations outside Canada will be considered by a Canadian physician on foreign soil or when you return to Canada. Exclusions and Limitations We do not pay benefits for: (a) war, participation in a riot, insurrection or rebellion; (b) intentionally self-inflicted injury; (c) engaging in an illegal occupation, felony or attempted felony; (d) attempted suicide while sane or insane; (e) injuries while under the influence of alcohol, narcotics, or controlled substances or drugs, unless doctor prescribed; (f) participation in aeronautics unless a fare-paying passenger on a licensed common-carrier aircraft; (g) alcohol abuse or alcoholism, drug addiction or controlled substance dependency. Not included under benefit: Heart Attack - An incidental finding of ECG changes suggesting a prior myocardial infarction, in the absence of a corroborating event, and elevation of cardiac markers to coronary angioplasty unless there are diagnostic changes of new Q wave infarction on the ECG; Stroke - Transient ischemic attacks (TIAs), intra-cerebral vascular events due to trauma, and lacunar infarcts which do not meet the definition of a stroke; Kidney Failure - Does not include the failure of both kidneys due to a traumatic event, such as surgical trauma(s); Carcinoma in situ - Skin malignancies other than melanoma not invading the dermis; Invasive Cancer - Skin cancer other than invasive malignant melanoma in the dermis or deeper or skin malignancies that have become metastatic; Alzheimer s Disease - All other dementing organic brain disorders and psychiatric illnesses; Parkinson s Disease - All other types of Parkinsonism; Coronary Artery Bypass Surgery - Balloon angioplasty, laser embolectomy, atherectomy, stent placement, or other non-surgical procedures; Benign Brain Tumour - Pituitary adenomas less than 10mm, tumours of the skull, or germinomas; Coma - A medically-induced coma, a coma which results directly from alcohol or drug abuse, or a diagnosis of brain death. ABJ33599X Page 3 of 4
4 This material is valid as long as information remains current, but in no event later than April 1, Group Comprehensive Critical Illness benefits provided by policy form GCIP. Coverage is provided by Limited Benefit Critical Illness Insurance. The policy does not provide benefits for any other sickness or condition. This brochure highlights some features of the policy but is not the actual insurance contract. For complete details, contact your Allstate Benefits Representative. This is a brief overview of the benefits available under the Group Comprehensive Critical Illness Policy underwritten by Allstate Insurance Company of Canada (Home Office, Markham, Ontario). Details of the insurance, including exclusions, restrictions and other provisions are included in the issued certificates. This brochure is for use in enrolments sitused in Canada. Allstate Benefits is a trademark of Allstate Insurance Company, used under license by Allstate Insurance Company of Canada Allstate Insurance Company of Canada. Page 4 of 4 ABJ33599X
5 group voluntary critical illness insurance benefit amounts COMPREHENSIVE CRITICAL ILLNESS BENEFITS LOW HIGH Heart Attack (100%) $15,000 $30,000 Stroke (100%) $15,000 $30,000 Major Organ Failure (Transplant or Waiting List) (100%) $15,000 $30,000 Kidney Failure (100%) $15,000 $30,000 Carcinoma in Situ (25%) $3,750 $7,500 Invasive Cancer (100%) $15,000 $30,000 Alzheimer s Disease (100%) $15,000 $30,000 Parkinson s Disease (100%) $15,000 $30,000 Coronary Artery Bypass Surgery (100%) $15,000 $30,000 Multiple Sclerosis (100%) $15,000 $30,000 Paralysis (100%) $15,000 $30,000 Deafness (100%) $15,000 $30,000 Blindness (100%) $15,000 $30,000 Aortic Surgery (100%) $15,000 $30,000 Benign Brain Tumour (100%) $15,000 $30,000 Coma (100%) $15,000 $30,000 Severe Burns (100%) $15,000 $30,000 Loss of Speech (100%) $15,000 $30,000 Waiver of Premium (employee only) Yes Yes Premiums listed on reverse. ABJ33599X-Insert-CHRS Page 2a
6 monthly premiums LOW PLAN - $15,000 BASIC BENEFIT AMOUNT non-tobacco $0.90 $0.75 $1.20 $ $0.90 $1.20 $1.50 $ $1.35 $1.80 $2.25 $ $1.80 $2.55 $3.00 $ $2.55 $3.60 $4.35 $ $3.60 $4.95 $6.15 $ $5.85 $6.75 $9.15 $ $9.30 $9.15 $13.80 $ $16.80 $13.35 $23.55 $ $26.70 $19.05 $36.15 $ $43.95 $28.35 $58.20 $ $57.90 $37.80 $76.80 $ $72.60 $49.80 $97.50 $ $91.05 $67.65 $ $ $ $95.25 $ $ $ $ $ $ $ $ $ $ tobacco $0.90 $0.90 $1.35 $ $1.20 $1.35 $1.80 $ $1.50 $1.95 $2.55 $ $2.40 $3.45 $4.05 $ $3.45 $5.40 $6.15 $ $6.00 $9.00 $10.50 $ $11.25 $13.50 $18.15 $ $21.00 $19.35 $30.60 $ $40.65 $27.75 $54.45 $ $62.85 $36.15 $80.85 $ $ $53.70 $ $ $ $71.55 $ $ $ $94.35 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ HIGH PLAN - $30,000 BASIC BENEFIT AMOUNT non-tobacco $1.80 $1.50 $2.40 $ $1.80 $2.40 $3.00 $ $2.70 $3.60 $4.50 $ $3.60 $5.10 $6.00 $ $5.10 $7.20 $8.70 $ $7.20 $9.90 $12.30 $ $11.70 $13.50 $18.30 $ $18.60 $18.30 $27.60 $ $33.60 $26.70 $47.10 $ $53.40 $38.10 $72.30 $ $87.90 $56.70 $ $ $ $75.60 $ $ $ $99.60 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ tobacco $1.80 $1.80 $2.70 $ $2.40 $2.70 $3.60 $ $3.00 $3.90 $5.10 $ $4.80 $6.90 $8.10 $ $6.90 $10.80 $12.30 $ $12.00 $18.00 $21.00 $ $22.50 $27.00 $36.30 $ $42.00 $38.70 $61.20 $ $81.30 $55.50 $ $ $ $72.30 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $1, $ ME = Male Employee (includes children); FE = Female Employee (includes children); F = Family (includes spouse and children) Attained Ages: 15 and over if Actively at Work Premium amounts listed above do not include taxes, which may be applicable to your coverage. This insert is for use in Canada. This insert is part of brochure ABJ33599X and is not to be used on its own. This material is valid as long as information remains current, but in no event later than April 1, Allstate Benefits is a trademark of Allstate Insurance Company, used under license by Allstate Insurance Company of Canada Allstate Insurance Company of Canada. ABJ33599X-Insert-CHRS Page 2b
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Instructions for Enrollment forms If you would like to elect Critical Illness coverage, please complete the form labeled Critical Illness Enrollment Form. Please complete the follow with your information:
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PREPARED FOR City of Pueblo Group Critical Illness Benefits Assurity's Group Critical Illness insurance is an affordable HSA-friendly solution that pays a lump-sum benefit upon diagnosis of a covered critical
More informationKNOW. Critical Illness Insurance. 40seconds, DID YOU. Protection when faced with a critical illness diagnosis and you need treatment
Protection when faced with a critical illness diagnosis and you need treatment Critical Illness Insurance No one is ever really prepared for a life-altering critical illness diagnosis. The whirlwind of
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Beaumont Independent School District Critical Illness Plan Highlights Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical
More informationKNOW? Critical Illness Insurance DID YOU. Bethany Retirement Living. Protection when faced with a critical illness diagnosis and you need treatment
Protection when faced with a critical illness diagnosis and you need treatment Critical Illness Insurance No one is ever really prepared for a life-altering critical illness diagnosis. The whirlwind of
More informationVictoria Independent School District Critical Illness Plan Highlights
Victoria Independent School District Critical Illness Plan Highlights Critical Illness insurance provides financial protection by paying a lump sum benefit if you are diagnosed with a covered critical
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employee benefit amounts INITIAL CRITICAL ILLNESS BENEFITS LOW OPTION HIGH OPTION Heart Attack (100%) $10,000 $20,000 Stroke (100%) $10,000 $20,000 Coronary Artery By-Pass Surgery (25%) $2,500 $5,000 Major
More informationEveryone deserves a better Tomorrow.
Everyone deserves a better Tomorrow. CriticalAssistance Advance is critical illness insurance designed to be cost-effective as it provides valuable benefits. Underwritten by Transamerica Life Insurance
More informationOffered to employees of NextEra Energy, Inc.
Critical Illness Insurance A limited benefit policy Benefits at a Glance An affordable way to help protect against the financial stress of a serious illness. Offered to employees of NextEra Energy, Inc.
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Critical Illness Insurance from Allstate Benefits Benefits are paid to you Protection for out-of-pocket expenses upon a positive diagnosis CHOOSE You choose the benefits to protect yourself and any family
More informationAflac Critical Illness Insurance (with cancer)
Aflac Critical Illness Insurance (with cancer) Plan Features Benefits are paid directly to you, unless otherwise assigned. Premiums are paid through convenient payroll deduction. Guaranteed-issue coverage
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Critical Illness Insurance from Allstate Benefits Benefits are paid to you Protection for out-of-pocket expenses upon a positive diagnosis CHOOSE You choose the benefits to protect yourself and any family
More informationCritical Illness Insurance
Critical Illness Insurance from Allstate Benefits Benefits are paid to you Protection for out-of-pocket expenses upon a positive diagnosis CHOOSE You choose the benefits to protect yourself and any family
More informationREQUIRED OUTLINE OF COVERAGE FOR GROUP CRITICAL ILLNESS POLICY GVCIP4CA
REQUIRED OUTLINE OF COVERAGE FOR GROUP CRITICAL ILLNESS POLICY GVCIP4CA THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR ESSENTIAL HEALTH BENEFITS OR MINIMUM ESSENTIAL COVERAGE AS DEFINED
More informationKNOW? Critical Illness Insurance DID YOU. The Hertz Corporation. Protection when faced with a critical illness diagnosis and you need treatment
Protection when faced with a critical illness diagnosis and you need treatment Critical Illness Insurance No one is ever really prepared for a life-altering critical illness diagnosis. The whirlwind of
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Critical Illness Insurance Critical illness insurance from The IHC Group pays you a lump sum cash benefit when a covered medical condition is diagnosed. Underwritten by Independence American Insurance
More informationAflac Group Critical Illness Plan
Aflac Group Critical Illness Plan Benefit Amounts Available: Employee: $5,000, $10,000, $15,000, $20,000, $25,000, $30,000, $35,000, $40,000, $45,000, $50,000 Spouse: $5,000, $7,500, $10,000, $12,500,
More informationAflac Critical Illness Insurance
Aflac Critical Illness Insurance Cancer, heart attack, stroke, and other critical illnesses are life-changing events. Medical coverage will help pay a large portion of your medical expenses, but what about
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Offered by Life Insurance Company of North America, a Cigna company Employee-Paid CRITICAL ILLNESS INSURANCE Summary of Benefits Prepared for Loudoun County Public Schools Critical Illness insurance provides
More informationPrepared for: Benefits Insurance Group LLC. For Presentation to: ICS Communication
Prepared for: Benefits Insurance Group LLC For Presentation to: ICS Communication BENEFITS AND AMOUNTS INITIAL CRITICAL ILLNESS BENEFITS* OPTION 1 OPTION 2 Heart Attack (100%) $10,000 $20,000 Stroke (100%)
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GROUP INSURANCE The ideal complement to your group insurance Critical Illness Insurance A partner you can trust. Critical Illness Insurance PEACE OF MIND WITHIN YOUR REACH Today, progress in medicine and
More informationEast Texas Public Schools Employee Benefit Cooperative
Group Voluntary Critical Illness Insurance Plan Summary East Texas Public Schools Employee Benefit Cooperative Please read carefully the following description of your Unum Group Voluntary Critical Illness
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