Critical Illness Insurance
The Lincoln Critical Illness Insurance Plan At-A-Glance
- Provides cash benefits if you or a covered family member is diagnosed with a critical illness or event while insured under this plan.
- Benefits are paid in addition to what is covered under your health insurance.
- Features group rates for Open Door employees.
- Includes access to a Personal Health Advocate who can assis you in managing healthcare services for you and your entire family.
- There are no waiting periods or overall plan maximums
Coverage for You
Critical Illness Insurance | Employee
Guaranteed coverage amount | $20,000 |
Maximum coverage amounts | Choice of $10,000, $15,000, and $20,000 |
Guaranteed Coverage Amounts
You can choose from the coverage amounts above without providing evidence of insurability (documentation of your health history). Amounts above the guaranteed amount will require evidence of insurability.
If you decline this coverage now and wish to enroll later, evidence of insurability may be required.
Coverage for Your Spouse
Critical Illness Insurance | Spouse
You can secure Critical Illness Insurance for your spouse when you choose coverage for yourself.
Guaranteed coverage amount | $10,000 |
Maximum coverage amounts | Choice of $5,000, $7,500, and $10,000 (up to 50% of the employee coverage amount) |
Guaranteed Coverage Amounts
You can choose from the coverage amounts for your spouse without providing evidence of insurability (documentation of your health history). Amounts above the guaranteed amount will require evidence of insurability.
If you decline this coverage now and wish to enroll later, evidence of insurability may be required.
Coverage for Your Dependent Children
With your coverage election, your dependent children automatically receive 50% of your coverage amount at no extra cost.
Core Benefits
Covered Conditions
Heart attack | 100% |
Stroke | 100% |
Invasive cancer | 100% |
Renal (kidney) failure | 100% |
Major organ failure (heart, lung, liver, pancreas, or intestine) | 100% |
Arterial/vascular disease | 25% |
Noninvasive cancer (in situ) | 30% |
Skin cancer (other than melanoma | $250 per lifetime |
Additional Childhood Conditions
Cerebral palsy | 100% |
Cleft lip, cleft palate | 100% |
Cystic fibrosis | 100% |
Down syndrome | 100% |
Muscular dystrophy | 100% |
Spina bifida | 100% |
Type 1 diabetes | 100% |
Supplemental Conditions
Advanced Huntington’s disease | 100% |
Advanced COPD | 100% |
AIDS | 100% |
Advances ALS/Lou Gehrig’s disease | 100% |
Advanced Alzheimer’s disease | 100% |
Advanced Parkinson’s disease | 100% |
Advanced multiple sclerosis | 25% |
Benign brain tumor | 50% |
Loss of sight, hearing, and/or speech | 25% |
Accidental Injuries Benefit
Severe burns, permanent paralysis, or traumatic brain injuries | 100% |
Occupational Disease
HIV | 100% |
Hepatitis (B, C, D) | 100% |
Health Assessment
You receive a cash benefit every year you and any of your covered family members complete a single covered exam, screening, or immunization. | $50 |
Additional Plan Feature(s)
Health Advocate Services | Included |
Portability | Included |
Benefit Exclusions
The plan includes only covered conditions or losses that are diagnosed while this insurance is in force. Benefits are not payable for any covered conditions or loss caused or contributed to by:
- suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane;
- committing or attempting to committ a felony;
- war or any act of war, declared or undeclared;
- participation in a riot, insurrection, or rebellion of any kind; or
- a covered condition sustained while residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months.
Benefits will not be payable if the insured person is incarcerated in any type of penal or detention facility. A benefit for heart attack or sudden cardiac arrest is not payable if the event occurs during a medical procedure.
A complete list of benefit exclusions is included in the policy. State variations apply.
Per Pay Rates
Employee | Non-Tobacco User Semi-Monthly Premiums
Employee Age Range | $10,000 | $15,000 | $20,000 |
---|---|---|---|
0-29 | $2.93 | $4.39 | $5.85 |
30-39 | $4.32 | $6.47 | $8.63 |
40-49 | $7.98 | $11.97 | $15.96 |
50-59 | $15.12 | $22.68 | $30.24 |
60-69 | $27.19 | $40.78 | $54.37 |
70-99 | $33.76 | $50.64 | $67.52 |
Employee | Tobacco User Semi-Monthly Premiums
Employee Age Range | $10,000 | $15,000 | $20,000 |
---|---|---|---|
0-29 | $3.13 | $4.69 | $6.25 |
30-39 | $5.06 | $7.59 | $10.12 |
40-49 | $11.74 | $17.61 | $23.48 |
50-59 | $27.43 | $41.14 | $54.85 |
60-69 | $56.92 | $85.37 | $113.83 |
70-99 | $72.72 | $109.07 | $145.43 |
Spouse | Non-Tobacco User Semi-Monthly Premiums
Employee Age Range | $5,000 | $7,500 | $10,000 |
---|---|---|---|
0-29 | $1.13 | $1.70 | $2.27 |
30-39 | $1.83 | $2.74 | $3.65 |
40-49 | $3.66 | $5.49 | $7.32 |
50-59 | $7.23 | $10.85 | $14.46 |
60-69 | $13.26 | $19.89 | $26.53 |
70-99 | $16.55 | $24.82 | $33.10 |
Spouse | Tobacco User Semi-Monthly Premiums
Employee Age Range | $5,000 | $7,500 | $10,000 |
---|---|---|---|
0-29 | $1.23 | $1.85 | $2.46 |
30-39 | $2.20 | $3.30 | $4.40 |
40-49 | $5.54 | $8.31 | $11.08 |
50-59 | $13.38 | $20.07 | $26.77 |
60-69 | $28.13 | $45.19 | $56.25 |
70-99 | $36.03 | $54.04 | $72.06 |