Critical Illness

Critical illness is a supplemental policy that helps some of the financial burden if you or a covered dependent is diagnosed with a covered illness. Critical illness insurance pays a lump sum benefit directly to you.

Cost and coverage

The University offers 2 plan options to choose from with employee and dependent options. Children are covered at no additional cost and plans are age rated.

Plan 1

Monthly rates

 

 

 

Ages

EE, EE/CH non-tobacco

EE, EE/CH Tobacco

EE/SP, F non-tobacco

EE/SP, F Tobacco

18-35

$11.92

$16.02

$20.14

$26.29

36-50

$21.82

$33.12

$34.99

$51.94

51-60

$40.22

$63.72

$62.59

$97.84

61-63

$60.42

$90.22

$92.89

$137.59

64+

$86.72

$130.92

$132.34

$198.64

 

Plan 2

Monthly rates

 

 

 

Ages

EE, EE/CH non-tobacco

EE, EE/CH Tobacco

EE/SP, F non-tobacco

EE/SP, F Tobacco

18-35

$17.31

$25.50

$28.23

$40.52

36-50

$37.12

$59.70

$57.94

$91.82

51-60

$73.94

$120.94

$113.16

$183.66

61-63

$114.33

$173.94

$173.75

$263.16

64+

$166.91

$255.32

$252.63

$385.24

Services covered

This plan pays benefits for diagnosis of covered critical illnesses. See plan brochure for additional details, limitations and exclusions. Covered spouses get 50% of the benefit amount

  • Plan 1 includes benefits up to $10000 for Heart attack, stroke, Major organ transplant, end stage renal failure, Invasive Cancer, Benign Brain Tumor, Coma, Complete blindness, complete loss of hearing, and paralysis, as well as a $2500 benefit for coronary artery bypass surgery, carcinoma in situ, Advanced Alzheimer’s and Parkinson’s disease. Benefits also include a wellness benefit of $100 per year for completing a covered wellness/preventative screening.
  • Plan 2 includes benefits up to $20000 for Heart attack, stroke, Major organ transplant, end stage renal failure, Invasive Cancer, Benign Brain Tumor, Coma, Complete blindness, complete loss of hearing, and paralysis, as well as a $5000 benefit for coronary artery bypass surgery, carcinoma in situ, Advanced Alzheimer’s and Parkinson’s disease. Benefits also include a wellness benefit of $100 per year for completing a covered wellness/preventative screening.

Enrolling and Changing

You may add critical illness insurance coverage for you and/ or dependent term life insurance for your spouse or children during within 30 days of your start date.

Changes may be made within 31 days after a life status change, dependent on status event and change type requested.  

Each year during the Annual Open enrollment period the carrier will review plan usage and determine if enrollment can be made with guaranteed issue.  

For more information, contact human resources.

How to Use the Benefit

You may file a claim using the attached claim form, or by calling 877-282-0808 for assistance.  Funds received are payable directly to you and can be used to offset medical cost or for normal household expenses.

In addition to the payment for diagnosis of a covered critical illness. Claims can be made each year to receive the wellness benefits.

Forms and publications

Forms

Publications

Policy

Contact information

Deidre A. Mings

Deidre A. Mings

Assistant Director, Human Resources - Benefits

Provides full range of HR Benefits management services. Specific responsibilities include health insurance, dental, vision, long term disability, life insurance, FSA, leave and FMLA benefits, and retirement.

Denise Lofton

Responsibilities: Benefits Administration; Wellness Fair; Workers’ Compensation; FMLA Administration; Emergency Paid Leave; Open Enrollment