Dealing with a serious illness is a challenge in itself.

If you suffer a covered critical illness, you could be hit hard with medical expenses and reduced income from being out of a job. Heath benefits pay part of the medical bills, income protection coverage can help protect a portion of your income, but some expenses may not be covered.

• You can choose a benefit amount between $5,000 and $50,000 and use the money any way you see fit.
• Dependent children are automatically added to all employee certificates from newborn through age 24 years at 25% of the employee benefit with addition of specific childhood conditions.
• Lump sum benefit payable for each covered condition.
• Voluntary employee-paid coverage is portable upon separation of employment with Indiana University – no new health questions or change in rate.

Advantages of Critical Illness Insurance

Unum’s Critical Illness Insurance can help pay the direct and indirect costs associated with a critical illness or event.

Imagine feeling good about knowing:

• You have the added financial protection you may need.
• Coverage options available for your spouse and dependent children are automatically included on your certificate.
• Coverage is portable, meaning you can take it with you upon separation of employment with Indiana University.

How Does Critical Illness Insurance Work?

Critical Illness Insurance pays you a lump sum benefit when you are diagnosed with a covered illness. You choose the level of coverage—employee coverage between $5,000 and $50,000. You can use the money as you like.

Covered conditions include:

• Cancer
• Carcinoma in situ
• Heart attack
• Blindness
• Major organ failure
• End-stage kidney failure
• Coronary artery bypass surgery
• Benign brain tumor
• Coma as the result of severe traumatic brain injury
• Stroke
• Permanent paralysis as the result of a covered accident

Your affordable group rate is determined once, by your age at the date of enrollment. After that, premiums remain the same, despite changes to your age, health, or individual claim. Premiums are conveniently deducted from your paycheck.

You can cover your spouse up to $30,000, if you are covered. Your unmarried children through age 24 are automatically covered for 25 percent of the employee benefit amount.

If you leave Indiana University, you may keep your coverage without having to answer any new health questions.

This insurance provides limited benefits. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Underwritten by: Unum Life Insurance Company of America.