Voya Critical Illness Plan

The critical illness plan pays a benefit if you are diagnosed with a critical illness, such as, but not limited to, heart attack, stroke, and cancer. The critical illness benefit is separate from and in addition to your medical coverage. You are eligible if you are covered by a CMSU medical plan or other group medical plan.

The plan also includes a wellness benefit that pays you money for receiving covered health screenings.

The plan is administered by Voya.

This information here is intended to help you understand the plan and how it works. It is not the official Summary Plan Description. To view the complete Summary Plan Description, please reference the Voluntary Carrier Booklet and CMSU Wrap SPD.

Critical Illness Benefit Highlights

As a CMSU employee, you and your eligible children are automatically covered for a basic Company-paid benefit – $5,000 for you and 25% of your amount for your children. CMSU pays for full cost of basic Company-paid coverage.
Voluntary coverage is available – you may purchase $5,000, $10,000, $20,000, or $30,000 for yourself. If you purchase voluntary coverage for yourself, you may also purchase $5,000, $10,000, $20,000, or $30,000 for your spouse/domestic partner. Voluntary coverage is paid on an after-tax basis through convenient payroll deductions.
Eligible children are always covered at 25% of your basic and voluntary amount.
The plan provides benefits for a wide variety of medical conditions and partial benefits for certain conditions.
Children are also covered for additional specific childhood conditions as shown below.
Use the money any way you choose—pay your medical plan deductible or coinsurance, cover your mortgage, or take a vacation.
You don't have to be disabled or terminally ill to receive the benefit.
No benefits are paid within the first 30 days of coverage, unless for an injury or a listed childhood covered benefit.

Wellness Benefit Highlights

This plan pays a lump-sum benefit for receiving covered health screenings as follows:

Basic wellness benefit—$75 benefit each year for enrolled employees and children, up to a maximum of $150 for all children. This benefit is paid under the basic Company-paid portion of the plan. If a person receives more than one test in a year, the plan will only pay $75.
Voluntary wellness benefit—$100 benefit each year for enrolled employees, spouses/domestic partners, and children, up to a maximum of $200 for all children. This benefit is paid under the voluntary portion of the plan. If a person receives more than one test in a year, the plan will only pay $100.