Voluntary Benefits

You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.

Cost is dependent upon how much coverage is selected and the age of the insured as of the effective date. Because attained age rating applies, premiums may increase due to age changes upon the start of the next policy year.

Coverage Details
Symetra’s voluntary Critical Illness insurance provides a lump sum payment if a covered condition is diagnosed after coverage takes effect for the individual. Covered conditions include critical illnesses and/or conditions, as specified below.


Core Benefits	Invasive Cancer: 100%, Minor Cancer: 50%, Skin Cancer: $500, Heart Attack: 100%, Stroke: 100%, Coronary Artery Disease Needing Surgery or Angioplasty: 25%, Major Organ Failure: 100%, End- Stage Renal Failure: 100%, Loss of Sight: 100%, Loss of Speech: 100%, Loss of Hearing: 100%, Paralysis: 100% (Covers Sickness and Accident), Severe Burns: 100%
Neurological Conditions	ALS/Other Motor Neuron Disease: 100%, Advanced Alzheimer’s: 100%, Parkinson’s Disease: 100%, Advanced Multiple Sclerosis: 100%, Coma: 100% (Covers Accident and Sickness), Benign Brain Tumor: 100%
Childhood Conditions	Major Congenital Structural Anomaly: 100%, Congenital Metabolic Disorder: 100%, Congenital Chromosomal Abnormality: 100%, Chronic Medical Condition Commonly Diagnosed in Childhood: 100%
Other Benefits	Infectious Disease: 25% (Minimum Hospital Stay: 5 Days)
Additional Occurrences	If you are diagnosed with a Covered Critical Illness, and you are then, at least one day later, diagnosed with a different Covered Critical Illness, we will also pay the additional Critical Illness benefit for the second covered condition.
Options
Health Screening Benefit	Pays an annual benefit amount of $75 for x-ray and laboratory tests only incurred by the employee, spouse, or child. Annual physical is included. Childhood vaccinations are included.
Recurrence Benefit	Pays an additional benefit of 100% of the critical illness benefit when a specific critical illness recurs more than 6 month(s) after the first diagnosis. Each condition is payable an unlimited number of times unless otherwise specified in the certificate.
Waiver of Premium	None

	Employee Benefit Amount(s)
Employee Benefit	$10,000 or $20,000
Guaranteed Issue	Up To $10,000 or $20,000
	Dependent Benefit Amount(s)
Spouse Benefit	$5,000, $10,000, $15,000, or $20,000 Not to exceed 100% of employee election
Guaranteed Issue	$5,000, $10,000, $15,000, or $20,000
Child Benefit	$2,500, $5,000, $7,500, or $10,000 Not to exceed 50% of employee election
Guaranteed Issue	$2,500, $5,000, $7,500, or $10,000

Monthly Rates per $1,000 of Benefit	Employee Attained Age	Rate
Employee	29 and under	$0.36
	30-39	$0.53
	40-49	$1.01
	50-59	$1.68
	60-69	$2.95
	70+	$5.40
Spouse	29 and under	$0.36
	30-39	$0.53
	40-49	$1.01
	50-59	$1.68
	60-69	$2.95
	70+	$5.40
Child	per $1,000	$0.98
Rates include Health Screening benefit for Employee, Spouse, and Child

Downloads

Certificate

How to file a claim

Health Screening Benefit Flyer

You have the option to purchase hospital indemnity insurance, which pays you benefits while you are confined to a hospital. This type of coverage is helpful because it covers your out-of-pocket expenses not covered by your medical plan.

Benefits
Inpatient Hospital Benefits	500 days lifetime maximum unless otherwise noted
Hospital Confinement	$1,500 first day $200 day 2+ 90 incident(s) per person/per calendar year
Intensive Care Unit	$1,500 first day $400 day 2+ 30 incident(s) per person/per calendar year
Substance Abuse Facility	$100 per day 30 day(s) per person/per calendar year
Mental Health Facility	$100 per day 30 day(s) per person/per calendar year
Nursing Facility $100 per day, This benefit is paid only if following a covered hospital stay of at least three consecutive days	$100 per day 30 day(s) per person/per calendar year
Wellness Screening	$75 per day 1 day(s) per person/per calendar year
Pregnancy Limitation Period	None
Plan is HSA Compatible	Yes
Portability	Included

	Monthly Rates
Employee Only	$20.38
Employee + Spouse	$43.43
Employee + Children	$33.40
Employee + Family	$60.46

Downloads

Certificate

How to File a Claim Flyer

Wellness Benefit Flyer

You have the option to purchase accident insurance, which helps to protect your finances after an accident. You are paid a lump sum if you have a covered injury and can use the money to help pay out-of-pocket medical costs or everyday expenses.

Benefits	per person/per accident
Emergency Care & Diagnostics
Ambulance - Ground (1 trip per covered accident)	$400
Ambulance - Air (1 trip per covered accident)	$2,000
Emergency Room (1 trip per covered accident)	$300
Major Diagnostic Testing (MRI, CT, EEG) (1 exam per covered accident)	$200
X-Ray (1 test per covered accident)	$50
Pain Management/Epidural (1 visit per covered accident)	$100
Initial Doctor’s Visit	$300
Accident Hospitalization & Surgical Benefits
Hospital Admission	$1,500
ICU Admission	$3,000
Hospital Confinement (up to 365 days per accident)	$250 per day
ICU (up to 30 days per accident)	$500 per day
Rehabilitation/Skilled Nursing Facility (up to 90 days per accident)	$125 per day
Blood/Plasma/Platelets	$400
Surgery - Open Abdominal, Thoracic	$2,000 per surgery
Surgery - Cranial	$2,000 per surgery
Surgery - Hernia	$1,000 per surgery
Surgery - Exploratory or Without Repair	$300 per surgery
Outpatient/Miscellaneous Surgery	$300 per surgery
Transportation (up to 3 trips per accident)	$400 per trip
Family Lodging (up to 30 nights )	$100 per night
Coma (after 7 day duration)	$10,000
Follow Up Care
Follow Up Doctor’s Visit (6 visits per covered accident)	$75
Physical Therapy (up to 10 visits per accident)	$50
Chiropractic Visit (up to 10 visits per accident)	$50
Medical Equipment (1 appliance per covered accident)	$250
Prosthetic Device (1 device per covered accident)	$2,000
Common Injuries
Burns 2nd degree: 20-100 sq centimeters 2nd degree: 101-225 sq centimeters 2nd degree: More than 225 sq cm 3rd degree: 20-100 sq centimeters 3rd degree: 101-225 sq centimeters 3rd degree: More than 225 sq cm Skin Grafts	$75 $150 $600 $650 $4,000 $15,000 25% of burn benefit
Paralysis Quadriplegia Paraplegia Hemiplegia Uniplegia	$15,000 $7,500 $7,500 $3,750
Lacerations Not requiring sutures Under 3 inches, required sutures 3 to 6 inches, requires sutures Over 6 inches, requires sutures	$50 $100 $250 $600
Emergency Dental Work Crown Repair Extraction	$150 $75
Eye Injuries Removal of Foreign Object Surgical Repair	$200 $200
Specific Injuries Ruptured Disc Tendons/Ligaments 1 tear with surgical repair Tendons/Ligaments 2 or more tears with surgical repair Tendons/Ligaments - Arthroscopic surgery with no repair Torn Knee Cartilage - Exploratory surgery with no repair Torn Knee Cartilage - Surgical repair Concussion	$400 $650 $900 $200 $200 $650 $200
Dislocations (Closed Reduction) (3 dislocation benefits per person, per accident maximum) Hip Knee (except patella) Shoulder Foot/Ankle Wrist Lower Jaw Elbow Bones of the Hand (except fingers) Collarbone 2 or more fingers 2 or more toes 1 finger or toe Open Reduction Partial Dislocation	$4,000 per dislocation $2,400 per dislocation $2,400 per dislocation $1,600 per dislocation $1,600 per dislocation $1,600 per dislocation $1,600 per dislocation $800 per dislocation $800 per dislocation $300 per dislocation $300 per dislocation $150 per dislocation 200% of dislocation benefit 25% of dislocation benefit
Fractures (Closed Reduction) (3 fracture benefits per person, per accident maximum) Skull Hip/Thigh Vertebral Body (excluding vertebral processes) Pelvis Arm (uper Shoulder Blade Leg Upper Jaw Vertebral Processes Knee Cap Collarbone Forearm Foot/Ankle Hand/Wrist Lower Jaw Ribs (2 or more) Facial Bones or Nose 1 rib, finger, or toe Coccyx Open Reducation Bone Chip	$4,000 per fracture $4,000 per fracture $4,000 per fracture $4,000 per fracture $2,500 per fracture $2,500 per fracture $2,500 per fracture $1,600 per fracture $1,600 per fracture $1,600 per fracture $1,600 per fracture $1,600 per fracture $1,600 per fracture $1,250 per fracture $1,250 per fracture $750 per fracture $750 per fracture $300 per fracture $300 per fracture 200% of fracture benefit 25% of fracture benefit
Catastrophic Accident Benefits	Benefit Amounts: Employee 100%, Spouse 50%, Child 25%
Accidental Death	$50,000
Common Carrier Accidental Death	$100,000
AD&D Benefits Double Dismemberment - Loss of both hands, both feet or sight in both eyes Loss of Speech or Hearing in both ears Loss of 1 hand and 1 foot Loss of 1 eye Loss of 1 hand or 1 foot Loss of 2 or more fingers or toes Loss of 1 finger or toe	$50,000 $25,000 $50,000 $25,000 $25,000 $10,000 $2,500
Optional Benefits
Wellness Screening Benefit	$75
Occupational Coverage	Included
Portability	Included
Child Organized Sports Additional 25% of accident benefits $5,000 per person/per accident maximum	Included