Critical Illness Benefit Summary
- Employees—you may purchase up to $45,000 of coverage in $1,000 increments ($50,000 maximum of basic and voluntary coverage)
- Eligible children—eligible children are automatically covered at 25% of your benefit at no cost to you
- Spouse/domestic partners—if you purchase coverage for yourself, you also have the option to buy voluntary coverage for your spouse/domestic partner of up to $30,000 in $1,000 increments
No benefits will be paid within the first 30 days of coverage unless for an injury or a listed childhood covered benefit.
| CRITICAL ILLNESS CONDITIONS |
PERCENT OF BENEFIT ELIGIBLE |
| Base Covered Conditions (Adults and Children) |
|
| Benign Brain Tumor |
100% |
| Blindness |
100% |
| Coma as the Result of Severe Traumatic Brain Injury |
100% |
| Coronary Artery Bypass Surgery |
25% |
| End Stage Renal (Kidney) Failure |
100% |
| Heart Attack (Myocardial Infarction) |
100% |
| Major Organ Failure |
100% |
Occupational HIV (note: state variations apply—
not covered in CA, IN, and MN) |
100% |
Permanent Paralysis as the result of a covered accident
(note: state variations apply - not covered in PA) |
100% |
| Stroke |
100% |
| Cancer |
100% |
| Carcinoma in Situ |
25% |
| Additional Critical Illnesses for Dependent Children |
|
| Cerebral Palsy |
100% |
| Cleft Lip or Palate |
100% |
| Cystic Fibrosis |
100% |
| Down Syndrome |
100% |
| Spina Bifida |
100% |
| Critical illness benefit reduction: On the January 1 following the covered person's 70th birthday, critical illness benefits will reduce to 50% of the original amount. |
In addition to providing critical illness benefits, the plan also pays you for receiving mammograms.
- Benefit amount. The plan pays $200 for receiving a mammogram based on the recommended age guidelines below.
- Who's eligible. Canon Medical Systems employees and their spouse/domestic partner.
- Waiting period to receive benefit. 30 days.
- How often. The benefit is payable:
- Once between the ages of 35 to 39;
- Once every two years between the ages of 40 to 49, or more frequently based on the insured person's physician recommendation; and
- Once every year while at age 50 and older.