Unum Critical Illness Insurance
HI TECH UTILITY CONSTRUCTION INC.
Critical Illness Insurance
How does it work? If you’re diagnosed with an illness that is covered by this insurance, you can receive a lump sum benefit payment. You can use the money however you want. Why is this coverage so valuable? • The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles. • You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer. The reoccurrence benefit can pay 100% of your coverage amount. Diagnoses must be at least 180 days apart or the conditions can’t be related to each other.
Why should I buy coverage now? • It’s more affordable when you buy it through your employer and the premiums are conveniently deducted from your paycheck. • Coverage is portable. You may take the coverage with you if you leave the company or retire. You’ll be billed at home. Be Well Benefit Every year, each family member who has Critical Illness coverage can also receive $50 for getting a covered Be Well Benefit screening test, such as:
• Annual exams by a physician include sports physicals, well- child visits, dental and vision exams • Screenings for cancer, including
• Screenings for cholesterol and diabetes • Imaging studies, including chest X-ray, mammography • Immunizations including HPV, MMR, tetanus, influenza
pap smear, colonoscopy • Cardiovascular function screenings
What’s covered?
Critical illnesses • Heart attack • Stroke • Major organ failure • End-stage kidney failure
• Coronary artery disease Major (50%): Coronary artery bypass graft or valve replacement Minor (10%): Balloon angioplasty or stent placement
Who can get coverage?
Choose $15,000 of coverage with no medical underwriting to qualify if you apply during this enrollment. Spouses can only get 50% of the employee coverage amount as long as you have purchased coverage for yourself. Children from live birth to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.
You:
Your spouse:
Cancer conditions • Invasive cancer — all breast cancer is considered invasive
• Non-invasive cancer (25%) • Skin cancer — $500
Your children:
Progressive diseases
Supplemental conditions
• Amyotrophic Lateral Sclerosis (ALS) • Dementia, including Alzheimer’s disease • Multiple Sclerosis (MS) • Parkinson’s disease • Functional loss
• Loss of sight, hearing or speech • Benign brain tumor • Coma • Permanent Paralysis • Infectious Diseases (25%)
Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations.
19 HI TECH UTILITY 2024 BENEFITS GUIDE
Unum | Critical Illness Insurance
EN-2050
FOR EMPLOYEES
(8-22)
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