Critical Illness

Plan Information

Specified Disease insurance is designed to help team members offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered specified disease. The Specified Disease benefit is based on the amount of coverage in effect on the date of diagnosis of a specified disease or the date treatment is received according to the terms and provisions of the policy.

Contact Information

Carrier: Voya Financial

Website: voya.com

Phone: 888-238-4840

Eligibility: All full-time team members (>30 hours)

Benefit: $10,000 (Team Member), $5,000 (Spouse and Children from Birth to age 26)

Each benefit payable will be no more than 100% of the Critical Illness benefit amount. The maximum amount payable during the insured person’s lifetime is called the total maximum benefit. You may be eligible to receive benefit payments for multiple conditions, up to the total maximum benefit amount. Each diagnosis must be a different diagnosis.

The total maximum benefit amount equals two times the Critical Illness benefit amount for each covered condition. Once the total maximum benefit for a covered condition has been paid, no further benefits are payable for that same covered condition.

BASE MODULE

Heart attackMajor organ transplant
CancerCoronary artery bypass 25% of critical illness benefit amount
StrokeCarcinoma in situ 25% of critical illness benefit amount

* A sudden cardiac arrest is not in itself considered a heart attack.
** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a physician specialized in care of the involved organ.

Major Organ Module

Type 1 DiabetesSevere burns
Transient ischemic attacks (TIA) (10% of criticalillness benefit)Transcatheter heart valve replacement or repair (10% of critical illness benefit)
Ruptured or dissecting aneurysm (10% of critical illness benefit)Coronary angioplasty (10% of critical illness benefit)
Abdominal aortic aneurysm (10% of critical illness benefit)Implantable/internal cardioverter defibrillator (ICD) placement (25% of critical illness benefit)
Thoracic aortic aneurysm (10% of critical illness benefit)Pacemaker placement (10% of critical illness benefit)
Open heart surgery for valve replacement or repair (25% of critical illness benefit)

Enhanced Cancer Module

Benign brain tumorBone marrow transplant (25% of critical illness benefit)
Skin cancer (10% of critical illness benefit)Stem cell transplant (25% of critical illness benefit)

Quality of Life Module

Permanent paralysisInfectious disease (25% of critical illness benefit)
Loss of sight, hearing or speechAddison’s disease (10% of critical illness benefit)
ComaMyasthenia gravis (50% of critical illness benefit)
Multiple sclerosisSystemic lupus erythematosus (SLE) (50% of critical illness benefit)
Amyotrophic lateral sclerosis (ALS)Systemic sclerosis (scleroderma) (10% of critical illness benefit)
Parkinson’s diseaseMuscular dystrophy
Parkinson’s diseaseOccupational HIV or Hepatitis B or C
Huntington’s disease

Child Diseases Module

Cerebral palsyInfantile Tay-Sachs
Congenital birth defectsNiemann-Pick disease
Cystic fibrosisPompe disease
Down syndromeType IV glycogen storage disease
Gaucher disease, type II or III

(This module applies to your insured children only, and is in addition to the other modules available.)

 

The benefits listed below are also included with your Critical Illness coverage.

Wellness Benefit: This provides an annual benefit payment if you complete a health screening test.

  • Your annual benefit amount is $75 for completing a health screening test.
  • Your spouse’s annual benefit amount is $75 for completing a health screening test.
  • The annual benefit amount for each child is 50% of your benefit amount with an annual maximum of $150
    for all children.

Please refer to your certificate of insurance and riders for more information.

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

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