Critical Illness

What is it? Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition. Critical Illness Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. ReliaStar Life Insurance Company a member of the Voya family of companies * A sudden cardiac arrest is not in itself considered a heart attack. ** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a physician specialized in care of the involved organ. *** Diagnosis of a severe infectious disease by a Doctor, when a diagnosis occurs on or after the groups coverage effective date; AND Confinement to a Hospital or a transitional facility for 5 or more consecutive days. Covered conditions for your insured children: Cerebral palsy, Congenital birth defects, Cystic fibrosis, Down syndrome, Gaucher disease - type II or III, Infantile Tay-Sachs, Niemann-Pick disease, Pompe disease, Sickle cell anemia, Type 1 diabetes, Type IV glycogen storage disease, Zellweger syndrome For a list of standard exclusions and limitations, please refer to the limitations and exclusions section later in this document. For a complete description of your benefits, along with applicable provisions, conditions on benefit determination, exclusions and limitations, see your certificate of insurance and any riders. Why should I consider it? Use your paid benefit for any purpose, such as paying out-of-pocket medical expenses, copays, deductibles, groceries, gas, utilities and more its up to you. Coverage is always guaranteed issue. You can choose to take this coverage with you if you leave your employer or retire, and youll be billed at the same rates via direct billing. Help minimize the financial stress that may follow the diagnosis of a serious illness Critical Illness Insurance Wellness Benefit Your coverage includes a Wellness Benefit, which will pay you an annual benefit when you and covered family members complete an eligible health screening test. These screenings may include a mental health screening, flu immunization, a mammogram and a routine eye or dental exam. $75 for employees, $75 for spouses, $75 per child, per calendar year What conditions does it cover? Unless noted, your payment will be at 100% of your benefit amount. Heart attack* Cancer Stroke Sudden cardiac arrest Major organ transplant** Coronary artery bypass Carcinoma in situ (25%) Type 1 Diabetes Transient ischemic attacks (10%) Ruptured or dissecting aneurysm (10%) Abdominal aortic aneurysm Thoracic aortic aneurysm Open heart surgery for valve replacement or repair (25%) Severe burns Transcatheter heart valve replacement or repair (10%) Coronary angioplasty (10%) Implantable/internal cardioverter defibrillator (ICD) placement (25%) Pacemaker placement (10%) Benign brain tumor Skin cancer (10%) Bone marrow transplant (25%) Stem cell transplant (25%) Permanent paralysis Loss of sight Loss of hearing Loss of speech Coma Multiple Sclerosis Amyotrophic lateral sclerosis (ALS) Parkinsons Disease Advanced Dementia including Alzheimer's disease Huntingtons disease Muscular dystrophy Infectious disease (hospitalization requirement) (25%)*** Addisons disease (10%) Myasthenia gravis (50%) Systemic lupus erythematosus (SLE) (50%) Systemic sclerosis (scleroderma) (10%) Group Name: Ball State University Group Number: 752151 Class: All Eligible Employees