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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 amountsChoice 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 amountsChoice 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 attack100%
Stroke100%
Invasive cancer100%
Renal (kidney) failure100%
Major organ failure (heart, lung, liver, pancreas, or intestine)100%
Arterial/vascular disease25%
Noninvasive cancer (in situ)30%
Skin cancer (other than melanoma$250 per lifetime

Additional Childhood Conditions

Cerebral palsy100%
Cleft lip, cleft palate100%
Cystic fibrosis100%
Down syndrome100%
Muscular dystrophy100%
Spina bifida100%
Type 1 diabetes100%

Supplemental Conditions

Advanced Huntington’s disease100%
Advanced COPD100%
AIDS100%
Advances ALS/Lou Gehrig’s disease100%
Advanced Alzheimer’s disease100%
Advanced Parkinson’s disease100%
Advanced multiple sclerosis25%
Benign brain tumor50%
Loss of sight, hearing, and/or speech25%

Accidental Injuries Benefit

Severe burns, permanent paralysis, or traumatic brain injuries100%

Occupational Disease

HIV100%
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 ServicesIncluded
PortabilityIncluded
Note: See the policy for details and specific requirements for each of these features.

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:

  1. suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane;
  2. committing or attempting to committ a felony;
  3. war or any act of war, declared or undeclared;
  4. participation in a riot, insurrection, or rebellion of any kind; or
  5. 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
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