CRITICAL ILLNESS

What is Critical Illness Insurance?

A health and wellness plan in which you receive a lump sum cash payment if you are diagnosed with one of the specific illnesses on the predetermined list of critical illnesses.

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Plan Rules:

• Eligibility: Eligible employees, as described on page 1, spouse and children (up to age 26)

• Coverage through Guardian

• Elect Critical Illness with or without Cancer coverage based on your individual needs

• Annual Open Enrollments with no health questions

• Issue Age: Rates lock-in at the age you purchase coverage and do not increase

• Portable prior to age 70

• The chart below is a sample of covered services. Please see the Plan Certificate for a detailed listing of services in their entirety.