Critical Illness Insurance Including Cancer When you or family members are seriously ill, you rely on your health coverage to cover most medical costs. Many people who suffer a critical illness can still face financial hardship due to their extensive illness, inability to work and out-of-pocket costs. The Benefits for Life program offers Critical Illness/Cancer insurance through Trustmark Insurance Company. You can apply for coverage for yourself only, or for yourself and family members.

The plan provides a lump sum cash benefit upon the first diagnosis of a covered critical illness such as stroke, heart attack, invasive cancer, carcinoma in situ, major organ failure requiring transplant, renal (kidney) failure, paralysis of two or more limbs, blindness, ALS (Lou Gehrig's disease) or occupational HIV. Covered critical illnesses are limited to the specific definitions found in the policy.

Critical Illness insurance does not require a specific expense for payout. It is intended to help cover some of the expenses not covered by medical insurance, such as out-of-pocket deductibles and copays, child care, travel expenses and more. Pre-existing condition limitations and exclusions may apply.

Coverage Options

There are also optional policy features, such as:

• EZ Value Plan: Serves as a hedge against inflation by automatically increasing your coverage for $1.00 per week without evidence of insurability.
• Optional Waiver of Premium: No premiums are due if you suffer a qualifying disability.

Coverage is portable so you can take your coverage with you if you retire, reduce your hours or change jobs.

Critical Illness Sample Rates

Shown below are sample weekly rates for Critical Illness insurance for a non-smoker at ages 30, 40 and 50 with $20,000 of coverage.

Rates are illustrative only; exclusions and limitations apply to the plan. An application for insurance must be completed to obtain coverage.

Critical Illness insurance including Cancer is underwritten by Trustmark Insurance Company. For complete details of coverage including exclusions and limitations, refer to Plan Form CACI-82001.