Critical Illness

Serious illnesses can strike anyone. Having options for coverage for typical financial responsibilities or incurred medical expenses is one way we support our Associates.

Eligibility

Full-Time Associates regularly scheduled to work at least 30 hours per week are eligible to elect critical illness/cancer coverage.

If elected, coverage begins the first of the month following a 60-day waiting period.

Coverage Options

Critical Illness

This policy provides a cash benefit for a range of covered illnesses such as Cancer, Stroke and Heart Attack, in addition to whatever your medical insurance may cover.

Payments are made directly to you and can be used for any purpose.

Critical Illness Benefits

Guardian

Conditions

Header

Cancer

1st Occurrence

2nd Occurrence

Invasive cancer

100%

0%

Carcinoma in situ

30%

0%

Benign brain tumor

75%

0%

Skin cancer

$250 per lifetime

Not covered

Vascular

1st Occurrence

2nd Occurrence

Heart attack

100%

0%

Stroke

100%

0%

Heart failure

100%

0%

Coronary arteriosclerosis

30%

0%

Other

1st Occurrence

2nd Occurrence

Organ failure

100%

0%

Kidney failure

100%

0%

Critical Illness Benefits

Guardian

Additional Disease

1st Occurrence Only

Addison's Disease

30%

ALS (Lou Gehrig's Disease)

100%

Alzheimer's Disease

50%

Coma

100%

Huntington's Disease

30%

Loss of hearing

100%

Loss of sight

100%

Loss of speech

100%

Multiple Sclerosis

30%

Parkinson's Disease

100%

Permanent paralysis

50% for 1 limb, 100% for 2 limbs

Severe burns

100%

What it Costs

Cost is determined by age, level of coverage and tobacco usage.

Non-Tobacco Critical Illness Premiums

Per Month, Per $5,000 of Coverage - Based on Employee Age

Employee/Spouse (Spouse up to 100% of employee amount, up to $50,000)

< 30

30-39

40-49

50-59

60-69

70+

$5,000

$3.25

$4.35

$7.75

$13.95

$21.95

$44.35

$10,000

$6.50

$8.70

$15.50

$27.90

$43.90

$88.70

$15,000

$9.75

$13.05

$23.25

$41.85

$65.85

$133.05

$20,000

$13.00

$17.40

$31.00

$55.80

$87.80

$177.40

$25,000

$16.25

$21.75

$38.75

$69.75

$109.75

$221.75

$30,000

$19.50

$26.10

$46.50

$83.70

$131.70

$266.10

$35,000

$22.75

$30.45

$54.25

$97.65

$153.65

$310.45

$40,000

$26.00

$34.80

$62.00

$111.60

$175.60

$354.80

$45,000

$29.25

$39.15

$69.75

$125.55

$197.55

$399.15

$50,000

$32.50

$43.50

$77.50

$139.50

$219.50

$443.50

Tobacco Critical Illness Premiums

Per Month, Per $5,000 of Coverage - Based on Employee Age

Employee/Spouse (Spouse up to 100% of employee amount, up to $50,000)

< 30

30-39

40-49

50-59

60-69

70+

$5,000

$4.10

$5.90

$12.20

$24.95

$42.20

$80.15

$10,000

$8.20

$11.80

$24.40

$49.90

$84.40

$160.30

$15,000

$12.30

$17.70

$36.60

$74.85

$126.60

$240.45

$20,000

$16.40

$23.60

$48.80

$99.80

$168.80

$320.60

$25,000

$20.50

$29.50

$61.00

$124.75

$211.00

$400.75

$30,000

$24.60

$35.40

$73.20

$149.70

$253.20

$480.90

$35,000

$28.70

$41.30

$85.40

$174.65

$295.40

$561.05

$40,000

$32.80

$47.20

$97.60

$199.60

$337.60

$641.20

$45,000

$36.90

$53.10

$109.80

$224.55

$379.80

$721.35

$50,000

$41.00

$59.00

$122.00

$249.50

$422.00

$801.50

Child

Age Birth to 26 Years

Child costs is included with employee election

Cancer

This policy provides lump-sum cash payments for certain procedures, screenings, and treatments related to a covered cancer diagnosis, in addition to whatever your medical insurance may cover.

Payments are made directly to you and can be used for any purpose. 

Cancer Benefits

Guardian

Initial Diagnosis Benefit - Benefit is paid when you are diagnosed with internal cancer for the first time will insured under this plan.

Benefit amount(s)

Employee: $5,000

Spouse: $5,000

Child: $5,000

Benefit waiting period - A specified period of time after your effective date during which the initial diagnosis benefits will not be payable.

30 days

Cancer Benefits

Guardian

Radiation Therapy or Chemotherapy

Benefit

Schedule amounts up to a $5,000 benefit year maximum

Pre-existing conditions limitations: A pre-existing condition includes any condition for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or too,

12 month look back period, 12 month

Portability: Allows you to take your cancer coverage with you if you terminate employment. Ported cancer plan terminates at age 70.

Included

Child(ren) age limits

Children age birth to 26 years

Cancer Benefits

Guardian

Features

Air ambulance

$1,500/trip, limit 2 trips per hospital confinement

Ambulance

$200/trip, limit 2 trips per hospital confinement

Anesthesia

$25% of surgery benefit

Anti-nausea

$50/day, up to $150 per month

Attending physician

$25/day while hospital confined, limit 75 visits

Blood/plasma/platelets

$100/day, up to $5,000 per year

Bone marrow/stem cell

Bone marrow: $7,500; Stem cell: $1,500

50% benefit for 2nd transplant, $1,000 benefit if a donor

Experimental treatment

$100/day, up to $1,000 per month

Extended care facility/skilled nursing care

$100/day, up to 90 days per year

Government or charity hospital

$300/day in lieu of all other benefits

Home health care

$50/visit up to 30 visits per year

Hormone therapy

$25/treatment, up to 12 treatments per year

Hospice

$50/day, up to 100 days per lifetime

Hospital confinement

$300/day for first 30 days, $600/day for 31st day thereafter per confinement

ICU confinement

$400/day for first 30 days, $600/day for 31st day thereafter per confinement

Immunotherapy

$500/month, $2,500 lifetime maximum

Inpatient special nursing

$100/day, up to 30 days per year

Medical imaging

$100/image, up to 2 per year

Outpatient and family member lodging - Lodging must be more than 50 miles from your home.

$75/day, up to 90 days per year

Outpatient or ambulatory surgical center

$250/day, 3 days per procedure

Physical or speech therapy

$25/visit, up to 4 visits per month, $400 lifetime maximum

Prosthetic

Surgically implanted: $2,000/device, $4,000 lifetime maximum

Non-surgically: $200/device, $400 lifetime maximum

Reconstructive surgery

Breast TRAM flap: $2,000

Breast reconstruction: $500

Breast symmetry: $250

Facial reconstruction: $500

Second surgical opinion

$200/surgery procedure

Skin cancer

Biopsy only: $100

Reconstructive surgery: $250

Excision of skin cancer: $375

Excision of a skin cancer with flap or graft: $600

Transportation/companion transportation - Benefit is paid if you have to travel more than 50 miles one way to receive treatment for internal cancer.

$0.50/mile, up to $1,000 per round trip/equal benefit for companion

Waiver of premium - If you become disabled due to cancer that is diagnosed after the employee's effective date, and you remain disabled for 90 days, we will waive the premium due after such 90 days for as long as you remain disabled.

Included

What it Costs

Cost is determined by age, level of coverage.

Cancer Premiums

Per Month

Employee only

$10.73

Employee + Spouse

$21.68

Employee + Child(ren)

$12.26

Employee + Family

$23.21