The critical illness plan pays a lump sum benefit following the diagnosis of a covered critical illness or health condition. Coverage is available for employees, spouses and children. Employee and spouse coverage does not require medical underwriting for up to $30,000 in coverage. Benefits will not reduce to age.
Illness Covered | Percentage of Face Amount |
|---|
| Heart Attack | 100% |
| Stroke | 100% |
| Major Organ Transplant | 100% |
| Renal Failure (End Stage) | 100% |
| Internal Cancer | 100% |
| Coma | 100% |
| Severe Burns | 100% |
| Paralysis | 100% |
| Loss of Sight, Hearing or Speech | 100% |
| Carcinoma in Situ | 25% |
| Coronary Artery | 25% |
| Advanced Alzheimer's Disease | 25% |
*A partial benefit (25%) is payable for carcinoma in situ and coronary artery bypass surgery. Payment of the partial benefit for carcinoma in situ will reduce the benefit for internal cancer. Payment of the partial benefit for coronary artery bypass surgery will reduce the benefit for a heart attack.