Critical Illness
Ware County Schools offers a voluntary Critical Illness benefit through Lincoln Financial Group that provides a monetary benefit to help with the out-of-pocket medical and non-medical expenses upon diagnosis of a covered illness. Critical Illness insurance helps you and your family maintain financial security during the recovery period of a serious medical event, such as cancer, heart attack, or stroke. This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. (See certificate for complete details.)
Coverage amounts for employees, spouses, and children are as follows:
Employee: $10,000, $15,000, $20,000, or $30,000
Spouse: $5,000, $7,500, $10,000, or $15,000, not to exceed 50% of the employee coverage amount
Child(ren) to age 26: Automatically covered at 50% of the employee amount elected
Employees may elect up to the maximum amount of coverage for yourself and your spouse with no health questions.
Features
Benefits are paid in addition to any other insurance that you may have, and benefits are paid directly to you
This plan pays a benefit if the initial diagnosis for a covered illness is while the certificate is in force. (See certificate on the Resources page for complete details.)
This product will pay multiple times for the same or different covered conditions (see the certificate on the Resources page for additional information)
Benefits may be used however you'd like. Typical uses include:
- Out-of-pocket medical and non-medical expenses
- Home health care needs and home modifications
- Recovery and rehabilitation
- Child care or caregiver expenses
- Travel expenses to and from treatment centers
Tobacco rates are available during enrollment. Spouse rates are based on spouse age.
Late entrants are not required to answer health questions, but you do have to wait until the next Open Enrollment period to apply for coverage.
There is no pre-existing limitation on the plan. Date of initial diagnosis has to be after you are insured with Lincoln Financial. Reoccurrence only applies to benefits Lincoln Financial has already paid.
Wellness Benefit Included
The voluntary Critical Illness plan includes a wellness benefit of $50 per covered member per calendar year. The benefit covers one test per insured per 12 months.
- Annual exams by a physician, including sports physicals
- Immunizations and other health screenings
- Cardiovascular, cholesterol, and diabetes screenings
- Imaging, including chest X-ray, mammography, and more
You can conveniently file your wellness screening benefit by phone by calling 888-408-7300. Have your policy number handy when you file your wellness benefit claim. For additional information, please reference the Critical Illness Wellness Claims Instructions flyer on the Resources Page.
Health Advocate:
Included in the Critical Illness Plan: Access to Health Advocate’s team of healthcare, benefits, and behavioral health experts, who can provide one-on-one support with a wide range of services.
Mobile App
Download the Lincoln Financial Mobile app today to easily manage your critical illness and accident benefits. Submit and manage claims, access dental ID cards, find a dentist, upload documents, view coverage details using the convenient app. Find more information on how to download the app here.
| Covered Diagnoses and Conditions |
|---|
| Heart Attack |
| Arterial/Vascular disease - 50% |
| Mitral or aortic valve disease - 50% |
| Stroke |
| Major organ failure |
| End stage renal (kidney) failure |
| Invasive Cancer |
| Non-invasive cancer (in situ) - 25% |
| Skin cancer - paid once/lifetime ($500) |
| AIDS |
| Advanced Alzheimer's disease |
| Advanced Parkinson's disease |
| Advanced Lou Gehrig's disease (ALS) |
| Advanced Multiple Sclerosis - 25% |
| Advanced COPD |
| Benign brain tumor |
| Loss of speech, sight, hearing |
| Severe traumatic brain injury |
| Severe burn |
| Permanent paralysis |
| Cerebral palsy |
| Cleft lip, cleft palate |
| Cystic fibrosis |
| Down syndrome |
| Muscular dystrophy |
| Spina Bifida |
| Type 1 Diabetes |
Claims Instructions
In order to file a claim for your critical illness or accident plan, the claim form is required. Please reference the claim form in the Resources page of this website.
