Group Number
542873
Provided By
Guardian
Provider Website
Customer Service
Resources
Frequently Asked QuestionsCritical Illness
This is a voluntary, 100% EMPLOYEE Paid benefit.
You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.
Plan Highlights |
|
|---|---|
Covered Conditions |
|
Vascular |
First / Second Occurrence |
Heart Attack |
100 % / 50% |
Stroke |
100 % / 50% |
Coronary Bypass Surgery |
30% / 0% |
Cancer |
|
Invasive Cancer |
100% / 50% |
Cancer in Situ |
30% / 0% |
Benign Brain Tumor |
100% / 0% |
Skin Cancer |
$250 / Not Covered |
Organ Category |
|
Organ Failure |
100% / 50% |
Kidney Failure |
100% / 50% |
Childhood Illnesses |
|
Cerebral Palsy |
100% / N/A |
Structural Congenital Defects |
100% / N/A |
Type I Diabetes |
100% / N/A |
Employee |
|
Employee Benefit Level |
$5,000 - $20,000 |
Employee GI |
$20,000 |
Annual Wellness Benefit |
$50 |
Age Reduction Schedule |
50% at age 70 |
Pre-Existing Condition |
3/12 |
Employee Portability |
Included |
Spouse |
|
Spousal Benefit Level |
$2,500 - $10,000 |
Spousal GI |
$10,000 |
Spouse Rate Based on Spouse Age or Employee Age? |
Spouse |
Dependent Child(ren) |
|
Dependent GI |
25% of EE amount |
Dependent Children Benefit Level |
All amounts Guaranteed |
Rates by Age per $5,000 |
|
|---|---|
<30 |
$3.05 |
30-39 |
$5.05 |
40-49 |
$10.15 |
50-59 |
$20.85 |
60-69 |
$36.35 |
70+ |
$62.25 |
Child Rate per $5,000 |
Child cost included with employee election |
Group Number
542873
Provided By
Guardian
Provider Website
Customer Service
Resources
Frequently Asked Questions