Critical Illness Coverage
Mandatory Plan:
- Coverage is available to all Employees or by Class of employee.
Optional Plan:
- Coverage is available to all employees, their spouses and children.
- Minimum participation requirement - 10 lives regardless of group size.
- Optional employee and spousal plans are available on a Guaranteed Issue basis, based on the size of the group:
| Group of less than 100 lives: | Up to $10,000 | |
| Groups of 100 - 249 lives: | Up to $15,000 | |
| Groups of 250 - 499 lives: | Up to $20,000 | |
| Groups of more than 500 lives: | Up to $25,000 |
In addition, employees and their spouses can choose additional Critical Illness coverage - up to a combined maximum of $100,000 - by completing a short form medical questionnaire.
- Additional optional coverage is subject to a first occurrence limitation but not a pre-existing condition limitation.
- Critical Illness is also available to non employer groups, such as associations or unions.
Coverage Options:
- Clients have the option of offering either a standard or enhanced level of coverage. Covered conditions under each level are outlined below
Standard Plan Covered Conditions
- Heart Attack
- Cancer
- Stroke
- Kidney Failure
- Coronary Artery Surgery
- Blindness
- Paralysis
- Major Organ Transplant
- Multiple Sclerosis
Enhanced Plan Covered Conditions
- Heart Attack
- Cancer
- Stroke
- Kidney Failure
- Coronary Artery Surgery
- Blindness
- Paralysis
- Multiple Sclerosis
- Alzheimer's Disease
- Major Organ Transplant
- Amyotrophic Lateral Sclerosis
- Coma
- Deafness
- Parkinson's Disease
- Severe Burns