Group Critical Illness

Help when you need it most
When you’re sick, the last thing you want to think about is your finances. Our Group Critical Illness plan can help protect your finances so you can concentrate on getting well.

The plan pays a lump-sum cash benefit directly to you if you are diagnosed with a specified major illness, such as a stroke, heart attack or cancer. You can use the money to pay for everyday expenses like mortgage payments, utility bills, or child care.

Why consider a Group Critical Illness plan marketed by Aetna?

     •   Affordable prices at group rates
     •   Cash payments made directly to you (unless you specify otherwise)
     •   Coverage for a specified major illnesses
     •   Protection for your spouse (or domestic partner) and children
     •   Easy payroll deduction
     •   Coverage is portable – you can keep your insurance if you change jobs

Coverage for a range of situations**
The Group Critical Illness plan supplements your existing medical benefits. The plan provides cash benefits for specified major illnesses, typically including:

     •   Heart attack
     •   Stroke
     •   Major organ transplant
     •   End-stage renal failure
     •   Invasive cancer

Benefits for these conditions may be available as well (check with your benefits area):

     •   Benign brain tumor
     •   Coma
     •   Complete blindness
     •   Complete hearing loss
     •   Paralysis

Finally, you’ll also be eligible for benefits for these conditions at a lower benefit level:

     •   Coronary artery bypass surgery
     •   Carcinoma in situ (localized cancer)
     •   Advanced Alzheimer’s disease
     •   Advanced Parkinson’s disease

Protecting your family
The Group Critical Illness plan extends coverage to your family, as well. They can receive 50 percent of your plan benefits if they experience a covered major illness. And they are eligible for 100 percent of the plan’s wellness benefits.

Helping you stay well
The Group Critical Illness plan also has an annual wellness benefit that will help you pay for a variety of tests, screenings and exams, including:

     •   Chest X-ray
     •   Bone marrow testing
     •   Biopsy for skin cancer
     •   Pap smear
     •   Stress test
     •   PSA test
     •   Blood tests for breast and ovarian cancer
     •   Colonoscopy
     •   Mammography
     •   HPV vaccination
     •   Lipid panel
     •   Thermography
     •   Blood test for triglycerides
     •   Other tests

Be prepared for what life can bring. Consider a Group Critical Illness plan.

The Group Critical Illness plan –
giving you one less thing to worry about during a difficult time.

Talk to your employer about adding this plan to your benefits package.

This plan does not offer comprehensive benefits.  It provides limited coverage and is not intended to replace other health insurance coverage.

The plan contains exclusions and limitations and may not be available in all states.

*The Group Critical Illness plan is underwritten by American Heritage Life Insurance Company (headquarters: Jacksonville, Florida).  Eligible claims for this plan are the sole financial responsibility of American Heritage Life Insurance Company,  Benefits are provided under policy policy form GVCIP2, or state variations thereof.

**Please refer to your Benefits Summary for the dollar amount and service limits of your specific plan.