Critical Illness

Jim Ellis offers a critical illness benefit through Voya Financial that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness.  Critical illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke.  This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)

 

Important Documents

Coverage amount for employees and spouses are available in $5,000 increments, as follows:

Employee: $5,000 to $30,000

Spouse: $5,000 to $15,000

Child(ren): $1,000, $2,500, $5,000 or $10,000

 

The employee must be enrolled in coverage to elect spouse or child coverage, but the spouse coverage level cannot exceed the coverage elected on the employee.  There are no health questions when enrolling in this benefit, but the benefit will reduce by 50% at age 70 for both employees and spouses.  Additional information on the plans is below.

Features


  • Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you

    • This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force.  (See certificate for complete details.)

  • This product could pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)

  • Benefits may be used however you'd like.  Typical uses include:

    • Out-of-pocket medical and non-medical expenses

    • Home health care needs and home modifications

    • Recovery and rehabilitation

    • Child care or caregiver expenses

    • Travel expenses to and from treatment centers

Wellness Benefit Included


The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:

  • Chest X-Ray
  • Mammogram
  • Hemocult
  • Colonoscopy
  • CA 125 and CEA blood tests
  • Prostate specific antigen testing
  • Women's wellness

 

Wellness Benefit Amount

  • Employee: $50
  • Spouse: $50
  • Child(ren): $25 (maximum of $100 for all covered children)

 

Simply submit your claim form along with proof of your screening to receive your screening benefit.  Directions for submitting a claim are located on the Resources page.

Reminder of Additional Coverage


Employees enrolled in the Navigate HMO HSA and new Navigate HMO medical plans will receive a $2,000 Critical Illness benefit for yourself and your covered spouse and child(ren).

You may also elect voluntary critical illness coverage to supplement the $2,000 benefit, if desired.

Covered Diagnoses
Cancer (see certificate definition)
Carcinoma in situ (limited benefit)
Heart attack
Stroke
Major organ failure
End state renal (kidney) failure
Permanent paralysis
Coma (see certificate definition)
Coronary artery bypass surgery (limited benefit)
Deafness, blindness
Benign brain tumor
Occupational HIV