What’s covered Your coverage includes benefits for the following conditions. Please refer to your enrollment materials for a complete list of conditions and details, including information on who is considered an eligible dependent. 1 Covered conditions include: 2 • Invasive cancer • Minor cancer (in situ*) • Heart attack (myocardial infarction) • Stroke • Coronary artery disease needing surgery or angioplasty • Major organ failure • Occupational HIV • End-stage renal failure • Loss of sight • Loss of speech • Loss of hearing • Paralysis due to accident or illness 3 • Severe burns • ALS (amy otrophic lateral sclerosis )/Lou Gehrig’s disease Other motor neuron diseases are also covered, including primary lateral sclerosis, progressive bulbar palsy and spinal muscular atrophy. • Advanced Alzheimer’s disease • Parkinson’s disease • Advanced multiple sclerosis (MS) • Coma due to accident or illness 3 Childhood conditions If you enroll your dependent child in the plan, they may be eligible for a benefit if they’re diagnosed with a covered condition under one of these categories. Please note that only dependent children are eligible for these benefits, and the condition must be diagnosed while the coverage is in effect. • Major congenital structural anomaly Examples: Cleft lip/palate, clubfoot, complex congenital heart disease • Congenital metabolic disorder Examples: Cystic fibrosis, Gaucher’s disease, Tay-Sachs • Congenital chromosomal abnormality Examples: Down syndrome, sickle cell disease, hemophilia • Chronic medical condition commonly diagnosed in childhood Examples: Severe asthma, Type 1 diabetes, epilepsy 1 Eligible dependents may include your spouse or domestic partner (as defined by state or federal law) and your biological children, adoptive children or stepchildren. Contact your benefits representative to determine eligibility for dependent coverage. 2 In New Hampshire, occupational HIV is not covered, stroke is referred to as severe stroke, and advanced Alzheimer’s disease is referred to as Alzheimer’s disease. 3 May vary by state. * The term “in situ” refers to abnormal (cancerous) cells that have not spread. D I D YO U KN OW? If you or a covered dependent are later diagnosed with a second covered condition, you’ll receive the full benefit amount for that condition. 1 Please refer to your enrollment materials for complete details of the coverage. Simple coverage when you need it the most You’re diagnosed with a covered condition. Symetra approves your claim. A lump-sum benefit is paid directly to you. 2 Critical Illness Insurance | Including coverage for childhood conditions