Cancer Q&A
Q. I’m not signed up for Cancer 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 now without answering health questions, but a pre-existing conditions limitation will apply. If you became eligible 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 a sickness, symptom or physical finding, or any related 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 during 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 receive services or treatment for cancer 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 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. When will my coverage become effective? A. Your coverage starts on the entry date specified in the group policy, provided you are at active work on that date. Otherwise, your coverage will become effective on the day you return to full-time duties. How much does Cancer insurance cost? The financial assistance that Cancer insurance can provide doesn’t have to take a big bite out of your wallet. Because issue age rating applies, your premiums will not increase due to age changes. Your premiums are based on your age as of the effective date.
Cancer Insurance Weekly (52) Premium Deduction Level 1 Issue Age <40 40-49
50-59
60-64
65+
For you
$2.64
$2.64
$3.25
$5.19
$6.95
35
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