SunlifeBuchanan Hauling & Rigging%2c Inc. - Generic Weekly …

Critical Illness Q&A Q. I’m not signed up for Critical Illness insurance. Can I enroll now?

A. Yes! Whether you’ve just become eligible for this coverage or didn’t sign up in the past, now is the time to enroll. If you first became eligible for this coverage within the last 90 days, you can enroll for amounts up to $10,000 for yourself without answering health questions. To enroll for more coverage than the amount shown above, you’ll need to answer a simple health statement. If you were offered this coverage more than 90 days ago, but chose not to enroll, you can join the plan now, but you’ll need to provide proof of good health. Once approved, a pre-existing conditions limitation will apply. A pre-existing condition means an injury, sickness, symptom or physical finding, or any related injury, sickness, symptom or physical finding, for which you consulted with or received advice from a licensed medical or dental practitioner; or received medical or dental care, treatment or services, including taking drugs, medicine, insulin or similar substances in the 12 months that end on the day before you became insured under the policy. We will not pay benefits for claims resulting, directly or indirectly, from a pre-existing condition unless you are diagnosed with a critical illness or undergo a procedure after the earlier of: • 12 consecutive months during which you are continuously insured under this plan; or • 12 consecutive months during which you do not consult with or receive advice from a licensed medical or dental practitioner or receive medical or dental care, treatment or services, including taking drugs, medicine, insulin or similar substances for that condition. See your certificate for additional pre-existing condition details. Q. What benefits are provided under this plan? A. After your coverage effective date, if you are diagnosed for a covered critical illness or undergo a covered procedure, you could receive up to $10,000 depending on the amount of coverage you elect. • You cannot collect more than 100% of your elected benefit in any one category unless you qualify for a recurrence benefit. • You can receive benefits from a different procedure category if there is at least 6 consecutive months between the diagnosis or procedure dates. Q. What is the Recurrence Benefit? A. If, after 18 months of being treatment free from the initial critical illness, you are diagnosed with the same condition or have the same procedure again, we’ll pay an additional 25% of the previously paid benefit. The recurrence benefit can only be paid once in each category. Q. What is the Total Benefit I can receive? A. You could receive up to 250% of your elected amount (100% of the elected amounts in each category as well as the 25% Recurrence Benefit in each category). Q. What is the Annual Wellness Screening Benefit? A. If you enroll in the plan, you are eligible for $50 per benefit year for any one Wellness Screening test from a list of more than 20 covered tests. Covered tests include: cardiac exercise stress test; fasting blood glucose test; blood test for lipids including total cholesterol, LDL, HDL and triglycerides; breast ultrasound or mammography; CA15-3 (blood test for breast cancer); CA 125 (blood test for ovarian cancer); CEA (blood test for colon cancer); chest x-ray; colonoscopy; flexible sigmoidoscopy; hemocult stool analysis; pap smear; PSA (blood test for prostate cancer); serum protein electrophoresis; carotid doppler; electrocardiogram; echocardiogram. In order to receive this benefit, the wellness screening test must be performed after your coverage effective date.