Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.

Gives you the comfort to recover in confidence while avoiding the financial strain a serious illness can cause.

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition.

You, your spouse and eligible children qualify for this coverage.

• All active employees working a minimum of 20 hours per week.
• Your spouse^*. Coverage is available only if employee coverage is elected.
• Your children — to age 26. Coverage is available only if employee coverage is elected.

^*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or a new life event period, enrollment is limited to the company’s annual enrollment.  Please contact your employer for further details.

The cost of Critical Illness Insurance varies based on your age and the amount of coverage.  It is very likely that your monthly premiums will be less than your monthly lunch budget. See rates above.

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you will receive information from the insurance carrier to continue your coverage.

Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack*, stroke, major organ failure, coma, coronary artery bypass (25% of the benefit allowed), permanent paralysis, or major organ transplant**.

*A sudden cardiac arrest is not in itself considered a heart attack.
**Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a Physician specialized in case of the involved organ.

Rates will not increase due to health or individual claims. However, rates will be based on age of the employee as of their birthdate.

How many times can I receive a benefit payment?

• The total maximum benefit amount equals Critical Illness benefit amount for each covered condition.  Once the total maximum benefit for a covered condition has been paid, no further benefits are payable for that same covered condition.

What do you mean by different diagnosis?

• To be eligible for a benefit payment, the diagnosis must be a “different diagnosis” than any previously diagnosed illness or condition. This can mean any of the following:
• An insured person has a diagnosis of a covered critical illness that is different from a previously diagnosed illness or condition. A cancer that has spread to a different area of the body is not a different illness/condition than the previously diagnosed cancer.
• An insured person receives a subsequent diagnosis of a covered critical illness that is for the same illness or condition* as a critical illness for which benefits were payable under the critical illness insurance policy. The subsequent diagnosis must occur more than after the date of the previous diagnosis.
• An insured person receives a subsequent diagnosis of a covered critical illness that is for the same illness or condition* as an illness/condition previously diagnosed prior to his/her coverage effective date under the critical illness insurance policy. The subsequent diagnosis must occur more than after the date of the previous diagnosis.
   

*Including a cancer that has spread to a different area of the body

To keep your group rates even lower, benefits are not payable for any critical illness caused in whole or directly by any of the following:

• Participation or attempt to participate in a felony or illegal activity.
• Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
• War or any act of war, whether declared or undeclared, other than acts of terrorism.
• Loss that occurs while on full-time active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
• Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
   

^*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.

There are no pre-existing condition exclusions or limitations applicable. However, the diagnosis of the covered condition must occur on or after the coverage effective date.