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 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 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

Additional Childhood Conditions

Supplemental Conditions

Accidental Injuries Benefit

Occupational Disease

Health Assessment

Additional Plan Feature(s)

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 | Tobacco User Semi-Monthly Premiums

Spouse | Non-Tobacco User Semi-Monthly Premiums

Spouse | Tobacco User Semi-Monthly Premiums