Athens_Clarke_County_Critical_Illness_Flyer.pdf
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- Solicitation number
- PE-62960-NONST-2026-000000111
- Issued by
- Clayton County, Georgia
About this file
This is an employee benefits informational flyer issued by the United Government of Athens-Clarke County regarding Critical Illness Insurance underwritten by Unum Life Insurance Company of America. The document outlines coverage options for employees, spouses, and dependent children. Employees may select coverage amounts of $15,000 or $25,000, spouses age 17 and older may obtain $10,000 of coverage, and dependent children from newborns to age 26 receive automatic coverage at 50% of the employee's selected amount at no additional cost. The policy covers serious illnesses including heart attack, stroke, cancer, major organ failure, end-stage kidney failure, blindness, permanent paralysis, coma lasting at least 14 consecutive days, benign brain tumor, occupational HIV, and coronary artery bypass surgery. Coverage becomes effective on the first day of the month in which payroll deductions begin, and employees must be legally authorized to work in the United States and actively employed at a U.S. location. Coverage terminates upon cancellation, job separation, death, or failure to maintain premium payments, though portability options exist for departing employees.
Monthly premiums for $15,000 of coverage range from $7.05 for non-tobacco users ages 0-24 to $132.00 for ages 70-99, with tobacco users paying higher rates. A wellness benefit premium of $1.60 is added to base premiums, allowing each covered family member to receive $50 annually for health screening tests. The policy excludes coverage for claims resulting from illegal activities, suicide, war, terrorism, or intoxicant/narcotic use. Eligibility requires comprehensive medical coverage, and individuals who do not enroll during their initial eligibility period must answer medical questions for future enrollment, except newly eligible employees and their spouses who are guaranteed coverage. Coverage continues under portability provisions or layoff and leave of absence provisions as long as required premiums are paid.
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Text version
EN-1972 (10-19) FOR EMPLOYEES R0488478
United Government of Athens-Clarke County
Critical Illness Insurance can pay money directly to you when you’re diagnosed with certain serious illnesses.
How does it work?
If you’re diagnosed with an illness that is covered by this insurance, you can receive a benefit payment in one lump sum. You can use the money however you want.
Why is this coverage so valuable?
• The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles.
• You can use this coverage more than once.
Even after you receive a payout for one illness, you’re still covered for the remaining conditions. If you have a different condition later, you can receive another benefit.
• This insurance pays you once for each eligible illness.
However, the diagnoses must be at least 90 days apart, and the conditions can’t be related to each other.
What’s covered?
| • | Heart attack |
| • | Blindness |
| • | Major organ failure |
| • | End-stage kidney failure |
| • | Benign brain tumor |
| • | Coronary artery bypass surgery (pays at 25% of lump sum |
benefit)
| • | Coma that lasts at least 14 consecutive days |
| • | Stroke whose effects are confirmed at least 30 days after |
the event
| • | Occupational HIV |
| • | Permanent paralysis of at least two limbs due to a covered |
accident
Coverage is also included for:
| • | Cancer |
| • | Carcinoma in situ — pays 25% of your coverage amount. |
(Carcinoma in situ is defined as cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues.)
Why should I buy coverage now?
• It’s more affordable when you buy it through your employer.
• The cost is conveniently deducted from your paycheck.
• You can keep coverage if you leave the company or retire. You’ll be billed at home.
Please refer to the policy for complete details about these covered conditions.
Coverage may vary by state. See exclusions and limitations.
Effective date of coverage: Coverage becomes effective on the first day of the month in which payroll deductions begin. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Spouses and dependent children must reside in the United States to receive coverage.
What else is included?
A Wellness Benefit Every year, each family member who has Critical Illness coverage can also receive $50 for getting a health screening test, such as:
| • | Blood tests |
| • | Chest X-rays |
| • | Stress tests |
| • | Colonoscopies |
| • | Mammograms |
| • | And other tests listed in your policy |
EN-1972 (10-19) FOR EMPLOYEES
Exclusions and limitations
Individuals must have comprehensive medical coverage to be eligible for this critical illiness insurance.
Exclusions and limitations Unum will not pay benefits for a claim that is caused by, contributed to by or occurs as a result of:
• Participating or attempting to participate in a felony or being engaged in an illegal occupation; or
• Committing or trying to commit suicide or injuring oneself intentionally, whether sane or not; or
| • | Participating in war or any act of war, whether declared or undeclared; or |
| • | Committing acts of terrorism; or |
| • | Being under the influence of or addicted to intoxicants or narcotics. This would not include |
physician-prescribed medication, taken in the prescribed dosage Termination of employee coverage If you choose to cancel your coverage under the policy, your coverage ends on the first of the month following the date you provide notification to your employer. Otherwise, your coverage under the policy ends on the earliest of the:
| • | Date this policy is canceled; |
| • | Date you are no longer in an eligible group; |
| • | Date your eligible group is no longer covered; |
| • | Date of your death; |
| • | Last day of the period for which you made any required contributions; or |
| • | Last day you are in active employment. However, as long as premium is paid as required, |
coverage will continue if you elect to continue coverage under the portability provision or in accordance with the Layoff and Leave of Absence provisions of this policy.
Coverage on your dependent children ends on the earliest of the date your coverage under this policy ends or the date a dependent child no longer meets the definition of dependent children.
Unum will provide coverage for a payable claim which occurs while you are covered under this policy.
THIS INSURANCE PROVIDES LIMITED BENEFITS
This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and imitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form CI-1 or contact your Unum representative.
Underwritten by:
Unum Life Insurance Company of America, Portland, Maine © 2019 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.
R0488478
Critical Illness Insurance
Who can get coverage?
If you didn’t get coverage for you or your spouse when you were first eligible, both of you will have to answer medical questions now. If you’re newly eligible, you and your spouse are guaranteed coverage now with no medical questions. If you already have coverage, you and your spouse can increase it up to the maximum available, but will be subject to medical questions. To purchase spouse coverage you must purchase coverage for yourself.
You: Choose $15,000 or $25,000 of coverage. If you do not sign up now but decide to apply later, you will have to answer a few medical questions.
Your spouse:
Spouses from age 17 and up can get $10,000 of coverage. Coverage is guaranteed, if applicable, as long as you have purchased coverage for yourself.
Your children:
Dependent children from newborns to age 26 are automatically covered at no extra cost. Their coverage amount is 50% of yours. They are covered for all the same illnesses, plus these specific childhood conditions:
cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.
Monthly premium for $15,000 of coverage Age Non-tobacco Tobacco 0-24 $7.05 $9.90
25-29 $7.95 $12.15
30-34 $11.70 $18.75
35-39 $16.05 $27.00
40-44 $22.80 $39.60
45-49 $31.95 $56.10
50-54 $43.35 $76.20
55-59 $59.10 $101.10
60-64 $80.70 $129.90
65-69 $105.15 $157.35
70-99 $132.00 $178.05
Cost of coverage example
Example: The cost of $15,000 of coverage for a 50 year old non-tobacco user would be $43.35 + $1.60 = $44.95.
Wellness benefit premium of $1.60 is in addition to the base premium Actual billed amounts may vary. For illustrative purposes only.
File details come from the government source that posted it. Updated .