Mid-America Apartment Communities
Critical Illness Insurance Plan Summary
COVERAGE OPTIONS
Critical Illness Insurance
Eligible Individual
Initial Benefit
Requirements
Employee
$10,000 or $20,000
Coverage is guaranteed provided you are actively at work. 3
Spouse/Domestic Partner 1
50% of the employee’s Initial Benefit
Coverage is guaranteed provided the employee is actively at work and the spouse/domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 3 Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate. 3
Dependent Child(ren) 2
50% of the employee’s Initial Benefit
BENEFIT PAYMENT Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. Your plan pays a Recurrence Benefit 4 for the following Covered Conditions: Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer and Partial Benefit Cancer. A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition. There is a Benefit Suspension Period between Recurrences. The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300% or $30,000 or $60,000.
Please refer to the table below for the percentage benefit amount for each Covered Condition.
Covered Conditions
Initial Benefit
Recurrence Benefit 50% of Initial Benefit
Full Benefit Cancer 5
100% of Initial Benefit
Partial Benefit Cancer 5
25% of Initial Benefit
12.5% of Initial Benefit
Heart Attack
100% of Initial Benefit
50% of Initial Benefit
Stroke 6
100% of Initial Benefit
50% of Initial Benefit
Coronary Artery Bypass Graft 7
100% of Initial Benefit
50% of Initial Benefit
Kidney Failure
100% of Initial Benefit
Not applicable
Alzheimer’s Disease 8
100% of Initial Benefit
Not applicable
Major Organ Transplant Benefit
100% of Initial Benefit
Not applicable
22 Listed Conditions
25% of Initial Benefit
Not applicable
22 Listed Conditions MetLife Critical Illness Insurance will pay 25% of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions. A Covered Person may only receive one benefit payment for one Listed Condition in his/her lifetime. The Listed Conditions are Addison’s disease (adrenal hypofunction); amyotrophic lateral sclerosis (Lou Gehrig’s disease); cerebrospinal meningitis (bacterial); cerebral palsy; cystic fibrosis; diphtheria; encephalitis; Huntington’s disease (Huntington’s chorea); Legionnaire’s disease; malaria; multiple sclerosis (definitive diagnosis); muscular dystrophy; myasthenia gravis; necrotizing fasciitis; osteomyelitis; poliomyelitis; rabies; sickle cell anemia (excluding sickle cell trait); systemic lupus erythematosus (SLE); systemic sclerosis (scleroderma); tetanus; and tuberculosis.
ADF# CI1851.18
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