ABA Corporate Offices

Critical Illness Benefit

Critical Illness Benefit $5,000 Coverage
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ABA Member Option – Plan 1, Basic Critical Illness Benefits with Subsequent Diagnosis, Cancer and the Cancer Treatment and Care Benefit.

What benefits are included?
Benefit Amount: ABA Members can elect a $5,000 Critical Illness Benefit.

This is a lump sum benefit amount to assist with the medical and/or non-medical costs associated with diagnosis of a Critical Illness.

Covered Critical Illness Conditions
 
For this critical illness… Colonial Life will pay this percentage
of the face amount

• Heart Attack (Myocardial Infarction)

100%

• Stroke

100%

• End Stage Renal (Kidney) Failure

100%

• Major Organ Failure

100%

• Coronary Artery Obstruction/Disease1

25%

1 Benefit for Coronary Artery Disease applicable in lieu of benefit for Coronary Artery Obstruction when Health Savings Account (HSA) compliant plan is selected.

Diagnosis of Cancer Benefit: This is a lump sum benefit to assist with the medical and/or non-medical costs associated with the diagnosis of cancer (internal or invasive).

Covered Cancer Benefits

For this condition…

Colonial LIfe will pay:

• Diagnosis of Cancer

100% of the face amount

• Diagnosis of Carcinoma in Situ

25% of the face amount

• Skin Cancer

$500 flat amount

Cancer Treatment and Care Benefit: $500.00 per calendar month for 12 months. This benefit assists with the ongoing medical and/or non-medical costs associated with a diagnosis of cancer (internal or invasive) or carcinoma in situ. The benefit is payable when you or a covered family member receives one or more of the following covered treatments or services in a calendar month for your treatment or care of cancer (internal or invasive) or carcinoma in situ:

l Hospice Care l Confinement l Chemotherapy l Radiation l Surgery

For further details on benefits, limitations and exclusions CLICK HERE


Can I use the critical illness coverage more than once?
Yes! This plan includes coverage for subsequent diagnosis of a different critical illness.2

If you receive a benefit for a critical illness, and later you are diagnosed with a different critical illness, we will pay the original percentage of the face amount for that particular critical illness, (except those listed below), we will pay 25% of the original face amount. Critical Illness conditions that do not qualify are: Coronary Artery Obstruction/ Coronary Artery Disease1.

1 Benefit for Coronary Artery Disease applicable in lieu of benefit for Coronary Artery Obstruction when Health Savings Account (HSA) compliant plan is selected.

2 Dates of Diagnoses of a covered critical illness must be separated by at least 180 days.

EXCLUSIONS AND LIMITATIONS FOR CRITICAL ILLNESS - We will not pay the Critical Illness Benefit or Benefit Payable Upon Subsequent Diagnosis of a Critical Illness that occurs as a result of a covered person’s: felonies or illegal occupations; intoxicants and narcotics; psychiatric or psychological conditions; suicide or injuries which any covered person intentionally does to himself; war or armed conflict; or pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is diagnosed with a critical illness.

EXCLUSIONS AND LIMITATIONS FOR CANCER - We will not pay the Diagnosis of Cancer Benefit, Diagnosis of Carcinoma in Situ Benefit, the Cancer Treatment and Care Benefit or the Skin Cancer Benefit for a covered person’s cancer (internal or invasive), carcinoma in situ or skin cancer that: is diagnosed or treated outside the territorial limits of the United States, its possessions, or the countries of Canada and Mexico; is a pre-existing condition, unless the covered person has satisfied the pre-existing condition limitation period shown on the Certificate Schedule on the date the covered person is initially diagnosed as having cancer (internal or invasive), carcinoma in situ or skin cancer. No Pre-existing Condition Limitation will be applied for dependent children who are born or adopted while you are covered under the policy, and who are continuously covered from the date of birth or adoption.

This is not an insurance contract and only the actual certificate provisions will control. Applicable to certificate form GCC1.0-C-NJ.

 

Group Critical Care Plan issued to ABA by Colonial Life & Accident Insurance Company©. Colonial Life products are underwritten by Colonial Life & Accident Insurance Company, for which Colonial Life is the marketing brand. Colonial Life & Accident Insurance Company is a subsidiary of Unum Corporation.

States Available

AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY


States Not Available

NY

CONSENT TO USE OF ELECTRONIC RECORDS & MEMBER AGREEMENT

By clicking on “Submit Order” below, you agree to conduct this transaction and all future transactions concerning this insurance policy and any other insurance policy with Colonial Life & Accident Insurance Company, including the receipt of legally required disclosures or notices, by electronic means and in an electronic format.

For your protection, all of the information about you is placed on a secure portion of this Site.  To provide privacy while your information is in transit, we use Secure Sockets Layer (“SSL”) technology from a Certificate Authority that is recognized by all supported browsers. To access this site, apply for insurance, update any previous selections, and communicate with us electronically in the future, you need the following:

  1. A Web Browser that is Microsoft Internet Explorer Version 5.5 or greater;
  2. Adobe Acrobat Reader version 5.0 or higher;
  3. An Internet connection;
  4. An e-mail account; and
  5. A computer that can support the software requirements listed above.

You may contact Colonial Life’s Policyholder Service Center at any time to:

  1. Withdraw this consent to conduct transactions by electronic means; or
  2. Request a paper copy of any electronic transaction, disclosure or notice without charge; or
  3. Update your account information, including your e-mail address.

You may contact our Colonial Life Policyholder Service Center by telephone toll-free at 1-800-325-4368, Monday through Friday 8:00 to 7:00 EST.

I understand that the policy applied for will not pay benefits for any loss incurred during the first 12 months after the issue date for a disease or physical condition that I now have or have had in the past. This pre-existing statement does not apply to first diagnosis cancer or critical illness policies.

THE APPLICANT AGREES AS FOLLOWS:
Any person who knowingly presents a false or fraudulent claim for payment for a loss or benefit or knowingly presents false information in an application for insurance may be guilty of a crime and may be subject to fines and confinement in prison as determined by a court of competent jurisdiction. To the best of my knowledge and belief, the answers and statements above are true and complete. I understand that this application will not be binding upon Colonial Life & Accident Insurance Company (Colonial) until both: 1) the policy is issued; and 2) the first premium is paid. Items 1 and 2 must occur while any conditions affecting insurability are the same as described above. If applicable, I have received an outline of coverage for the plan(s) applied for and I have been explained all exceptions and limitations pertaining to the coverage(s) applied for, including any pertaining to pre-existing conditions, if applicable. I understand that any untrue statement or material misrepresentation may result in claim denial or rescission of coverage. If coverage is rescinded, Colonial's only obligation will be to refund all premiums paid. I certify under penalties of perjury that the Social Security number shown on this form is my correct TAXPAYER IDENTIFICATION NUMBER. If applicable, I have received and read a copy of the Notice of Insurance Information Practices, (which includes MIB, Inc. Disclosure Notice).

Click HERE to download a copy of this agreement.

ABA Corporate Offices  • American Benefits Association  • Phone: (631) 366-2794  • operations@abbcinc.com

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