Applied Technology Group - 2021 Employee Benefits Guide FINAL

VOLUNTARY CRITICAL ILLNESS
INSURANCE
CARRIER: USAble Life
Critical Illness + Cancer Insurance supplements your existing
medical insurance in case you are diagnosed with a covered
condition, like a heart attack, stroke or cancer; medical
insurance alone may not be enough to cover your expenses.
The plan pays a cash benefit during the term of your
coverage following a covered diagnosis.
COVERAGE & OPTIONS
COVERAGE
PERCENTAGE OF POLICY AMOUNT
Cancer Diagnosis 100%
Heart Attack/Stroke 100%
Bone Marrow Transplant 100%
Major Organ Transplant 100%
End-Stage Renal Failure 100%
Burns (third degree, over at least 50% of body) 100%
Specified Diseases: ALS (Lou Gehrig’s Disease); anthrax; Cholera;
Encephalitis; Meningitis; Rocky Mountain Spotted and Typhoid
Fevers; Tuberculosis; Primary Sclerosing Cholangitis (Walter Payton’s
100%
Disease)
Prostate Cancer and/or Carcinoma In Situ 30%
Coronary Artery Bypass Surgery 30%
Alzheimer’s Disease 30%
Angioplasty/Stent 10%
Skin Cancer Diagnosis 10%
Cancer Vaccine
$75 lifetime, one-time payment
Cancer Treatment and Care
$50 month, up to 12 months
WELLNESS BENEFIT
To promote healthier routines, insured can receive an annual payment of $75 for having covered health
screenings and tests, such as a mammogram, Pap test, PSA (Prostate-Specific Antigen) test, and colonoscopy.
OPTIONAL RIDERS
QUALITY OF LIFE BENEFIT
If an illness causes an insured person to be unable to perform two or more of the five Activities of
Daily Living (as defined in the policy) unassisted, the insured will receive a 5% benefit per month up to 20
months while care and assistance is needed.
OCCUPATIONAL HIV BENEFIT
Adds 100% benefit that is payable if an employee contracts HIV on the job. (Not available for spouses or
dependents.) Availability of this benefit is limited to specific occupations and
industries.
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