Voluntary Critical Illness Insurance
Voluntary Critical Illness Insurance
Plan Information
Critical Illness Insurance, administered by Reliance Matrix, provides financial assistance if you are diagnosed with a covered disease. You’ll receive a lump-sum payment that can be used for anything you need; even if it’s not related to your illness.
If you are newly eligible to enroll in benefits, you can elect Critical Illness Insurance coverage up to the Guarantee Issue without answering any health questions. Otherwise, you will be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
Voluntary Critical Illness Insurance Plan Highlights: English | Spanish
Critical Illness Insurance, administered by Reliance Matrix, provides financial assistance if you are diagnosed with a covered disease. You’ll receive a lump-sum payment that can be used for anything you need; even if it’s not related to your illness.
If you are newly eligible to enroll in benefits, you can elect Critical Illness Insurance coverage up to the Guarantee Issue without answering any health questions. Otherwise, you will be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
Voluntary Critical Illness Insurance Plan Highlights: English | Spanish
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Coverage Tiers & Benefits
| Coverage Tier | Benefit |
|---|---|
| You Guarantee issue $30,000 | $10,000–$50,000 (in $10,000 increments) |
| Your Spouse/Domestic Partner Guarantee Issue: $15,000 | $5,000–$25,000 (in $5,000 increments) up to Team Member coverage amount |
| Your Child(ren) up to Age 26 Guarantee Issue: $25,000 | 50% of Team Member coverage amount, up to a maximum of $25,000 |
Examples of Covered Conditions
| Benefit | Adults | Children |
|---|---|---|
| 100% covered | Alzheimer's Disease Coma Heart Attack Life Threatening Cancer Loss of Hearing Loss of Sight Loss of Speech Major Organ Failure Motor Neuron Disease (ALS) Multiple Sclerosis Paralysis Parkinson's Disease Stroke | Cerebral Palsy Cleft Lip or Palate Cystic Fibrosis Downs' Syndrome Muscular Dystrophy Spina Bifida Type 1 Diabetes |
| 50% covered | Severe Brain Damage | N/A |
| 25% covered | Benign Brain Tumor Carcinoma In Situ Coronary Disease Ruptured Cerebral, Carotid, or Aortic Aneurysm | N/A |
| 5% covered | Skin Cancer | N/A |
Biweekly Plan Costs
| Age | Team Member Rate per $1,000 of Coverage | Spouse/Domestic Partner Rate per $1,000 of Coverage |
|---|---|---|
| 0-29 | $0.069 | $0.069 |
| 30-34 | $0.102 | $0.102 |
| 35-39 | $0.157 | $0.157 |
| 40-44 | $0.254 | $0.254 |
| 45-49 | $0.870 | $0.870 |
| 50-54 | $0.595 | $0.595 |
| 55-59 | $0.840 | $0.840 |
| 60-64 | $1.228 | $1.228 |
| 65-69 | $1.740 | $1.740 |
| 70-74 | $2.474 | $2.474 |
| 75-79 | $3.351 | $3.351 |
| 80+ | $3.725 | $3.725 |
Pre-Existing Condition Limitation
A pre-existing condition is any sickness or injury, whether specifically diagnosed or not, for which an insured received treatment, consultation, care or services, including diagnostic procedures, or for which he/she took prescription drugs or medicines, during the 12 months before the individual effective date of coverage (or increase in coverage). Benefits (or increased benefits) will not be paid for a pre-existing condition unless the critical illness is diagnosed after 12 months of coverage (or effective date of an increase).
Exclusions
A benefit will not be paid if the critical illness is caused by or contributed to by one of the following: an act of war, declared or undeclared; intentionally self-inflicted injury; commission or attempted commission of a felony; the use of alcohol or drugs unless taken as prescribed by a physician; a sickness or injury that occurs while confined in a penal or correctional institution; cosmetic or elective surgery that is not medically necessary; committing or attempting to commit suicide while sane or insane; participation in a riot or insurrection; for a critical illness diagnosed outside of the US unless confirmed within the US; for a critical illness diagnosed less than three months from a different critical illness diagnosis for which a benefit has been paid; or for the same critical illness for which a benefit has been paid, if diagnosed less than six months after the previous critical illness was diagnosed.
Portability/Conversion
Contact Team Member Services at 855-432-MIKE (6453), Option 2, about Portability/Conversion information within 31 days of the date your coverage ends. The appropriate forms will be emailed to you. For more information, follow this link: Conversion & Portability Provisions.
Video Overview of Leave, Disability & Voluntary Benefits
Get Support
For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
Important Note About Claims for Kaiser Members
Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact
Phone: 1-800-351-7500