Voluntary Critical Illness Insurance

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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: EnglishSpanish New

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: EnglishSpanish

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Coverage Tiers & Benefits

Coverage TierBenefit
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

BenefitAdultsChildren
100% coveredAlzheimer'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% coveredSevere Brain DamageN/A
25% coveredBenign Brain Tumor
Carcinoma In Situ
Coronary Disease
Ruptured Cerebral, Carotid, or Aortic Aneurysm
N/A
5% coveredSkin CancerN/A

Biweekly Plan Costs

AgeTeam Member Rate per $1,000 of CoverageSpouse/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.

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Reliance Matrix

Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance

Contact

Phone: 1-855-RSL-CLAIM (775-2524)