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.)
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.
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
The voluntary Critical Illness plan includes a wellness benefit for covered preventive screenings, including but not limited to:
Wellness Benefit Amount
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.
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.
|Cancer (see certificate definition)|
|Carcinoma in situ (limited benefit)|
|Major organ failure|
|End state renal (kidney) failure|
|Coma (see certificate definition)|
|Coronary artery bypass surgery (limited benefit)|
|Benign brain tumor|