Critical Illness Protection Plan

Health Screening Benefit: $50 Payable Once per calendar year per Insured

• Antibody or Serology testing
• At-home screening tests for Colon Cancer
• Biopsy
• Blood Test for Cholesterol
• Blood test for triglycerides
• Biometric Screenings
• Bone Density scans
• Bone marrow testing
• Breast ultrasound
• Breast MIR
  CA 15-3 (blood test for breast cancer)
• CA 125 (blood test for ovarian cancer)
• CEA (blood test for colon cancer)
• Chest X-ray
• Colonoscopy
• Complete Blood Count
• Doppler screening for carotids
• Doppler screening for peripheral vascular disease
• Doppler Screening for abdominal aorta
• Echocardiogram
• Electrocardiogram
• Endoscopy
• Fasting blood glucose test
• Fasting plasma glucose (FPG)
• Flexible sigmoidoscopy
• Hemoccult stool analysis
• Hemoglobin A1C(HbA1c)
• HPV Testing
• Lipid Panel
• Mammography
• Monoclonal Antibody Therapy
• Pap smear
• PSA (blood test for prostate cancer)
• Routine Physicals (through age 18)
• Serum Protein Electrophoresis (blood test for myeloma)
• Stress test on a bicycle or treadmill
• Thin prep pap test
• Thermogrphy
• Serum cholesterol test to determine level of HDL and LDL
• Virtual Colonscopy
• Well-Child Exams (through age 18)
• Health Screening Benefit Fair Screening

Benefit payable upon completion of a covered wellness exam or health screening test. One covered test per calendar year per Insured. 

You are eligible if you are a full time employee and considered benefit eligible by your employer. 

Critical Illness coverage provides protection agains the expense of serious medical conditions. 

Your employer has made CIPP coverage available to all eligible employees on a voluntary basis, which means you pay your premiums if you elect the coverage. 

You must be Actively at Work with your employer, as defined in your plan, on the date your coverage is scheduled to take effect. Otherwise, your coverage takes effect when you return to Active Work. 

Newborn children are covered from the moment of live birth for the first 31 days. You would need to notify us within 31 days of the birth if you want to enroll that child, regardless of whether there are existing dependent children covered. 

Each Covered Condition is payable at least one time for dates of diagnoses that occur while coverage is in force. Your Certificate of Coverage may require a separation period to be met between the dates of diagnoses. (Note: This is commonly referred to as additional occurrence)

You may be eligible for another benefit payment for the same Covered Condition. This is referred to as Reoccurrence Benefit, and certain conditions are eligible. 

Reoccurrence allos you to receive a benefit when: 

• You are diagnosed for a covered condition we have already paid a benefit for;
• The diagnosis date of the reoccurrence is at least 180 Days following the previous date of diagnosis. 

Coverage must be in force on the date the reoccurrence is diagnosis. A second opinion or reconfirmation of a diagnosis is not considered reoccurrence. 

You may be eligible for another Cancer Condition benefit. This is referred to as Cancer Reoccurrence, and certain Cancer Conditions are eligible. 

Cancer Reoccurrence allows you to receive a benefit when:

• You are diagnosed with a covered cancer condition we have already paid a benefit for; and
• The diagnosis date of the cancer reoccurrence is at least 180 Days following the previous date of diagnosis; and

Coverage must in force on the date the cancer reoccurrence is diagnosed. A second opinion or reconfirmation of a diagnosis is not considered a cancer reoccurrence diagnosis. 

We have 3 distinct categories of Cancer Covered Conditions:

• Invasive
• Non-Invasive
• Skin

A diagnosis of cancer from the same Cancer Covered Condition "category" would be considered a Cancer Reoccurrence. (i.e. Invasive Cancer -> Cancer).

A diagnosis of cancer from a different Cancer Covered Condition "category" would be considered an additional occurrence (i.e. Invasive Cancer -> Non-Invasive Cancer). 

Active Treatment for Cancer means consultation, care or services provided by a physician while Cancer is present. This includes diagnostic measures and taking prescription medications. 

Active Treatment for Cancer does not include maintenance drug therapy or routine follow-up office visits, including testing or surveillance imaging. 

We do not pay for events that occurred before the effective date of coverage. 

However, if a subsequent diagnosis of that condition were to occur while coverage is in effect, a benefit may be payable. 

Dependent Children are eligible for coverage from the moment of live birth. 

If the diagnosis occurs prior to birth, that condition would be payable provided the child survives to live birth and becomes insured as a dependent child. 

For a condition to be payable, coverage must be in force on the date of diagnosis. Therefore, in this situation, because diagnosis was made prior to the coverage effective date, a benefit would not be payable.