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.)
Coverage amount for employees and spouses are available in $5,000 increments, as follows:
Team Member: $5,000 to $30,000
Spouse: $5,000 to $15,000
Child(ren): $1,000, $2,500, $5,000 or $10,000
The team member must be enrolled in coverage to elect spouse or child coverage, but the spouse coverage level cannot exceed the coverage elected on the team member. There are no health questions when enrolling in this benefit, but the benefit will reduce by 50% at age 70 for both team members and spouses. Effective January 1, 2025, there is no benefit reduction at age 70. Additional information on the plans is below.
Features
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Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you
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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.)
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This product could pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)
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Benefits may be used however you'd like. Typical uses include:
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Out-of-pocket medical and non-medical expenses
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Home health care needs and home modifications
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Recovery and rehabilitation
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Child care or caregiver expenses
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Travel expenses to and from treatment centers
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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
- Pap Smear
2024 Wellness Benefit Amount
- Team member: $50
- Spouse: $50
- Child(ren): $25 (maximum of $100 for all covered children
2025 Wellness Benefit Amount
- Team member: $75
- Spouse: $75
- Child(ren): $75 per covered child, per calendar year
How to File a Claim
- Go to voya.com/claims.
- Scroll down to the “Have a Wellness Benefit Claim?” section and click the “Start your claim” button.
- Select “Policyholder” and complete the information requested.
- Your Group Name and Number are: Jim Ellis Automotive Group 70271-4
| Covered Diagnoses |
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| 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 |
| Enhanced 2025 Covered Diagnoses and Enhancements |
|---|
| Carcinoma in Situ (50%) |
| Coronary Artery Bypass (100%) |
| Sudden Cardiac Arrest |
| Type 1 Diabetes |
| Severe Burns |
| Transient Ischemic Attacks (10%) |
| Ruptured or Dissecting Aneurysm (10%) |
| Abdominal Aortic Aneurysm (10%) |
| Thoracic Aortic Aneurysm (10%) |
| Open Heart Surgery for Valve Replacement or Repair (25%) |
| Transcatheter Heart Valve Replacement or Repair (10%) |
| Coronary Angioplasty (10%) |
| Implantable (or Internal) Cardioverter Defibrillator (ICD) Placement (25%) |
| Pacemaker placement (10%) |
| Bone marrow and stem cell transplant (50%) |
| Multiple Sclerosis |
| Amyotrophic Lateral Sclerosis (ALS) |
| Parkinson's Disease |
| Advanced Dementia including Alzheimer's Disease |
| Huntington's Disease |
| Muscular Dystrophy |
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Infectious Disease (Hospitalization Requirement - 25%) Additional Infectious Condition Diagnosis Benefit - $100 Additional Infectious Condition Hospital Confinement Benefit - $1,000 |
| Addison's Disease (10%) |
| Myasthenia Gravis (50%) |
| Systemic Lupus Erythematosus (50%) |
| Systemic Sclerosis - Scleroderma (10%) |
| 2025 Covered Conditions for your insured children: |
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Cerebral Palsy, Congenital Birth Defects, Cystic Fibrosis, Down Syndrome, Gaucher Disease - Type II or III, Infantile Tay Sachs, Niemann-Pick Disease, Pompe Disease, Type IV Glycogen Storage Disease, Sickle Cell Anemia, Type 1 Diabetes, Zellweger Syndrome |
Employment Termination of Coverage
Your Critical Illness policy will terminate on the last day of the month in which your employment termination occurs. This means that your coverage will conclude at the end of that specific month.
