* At age 70, benefits are reduced by 50%.
** A partial benefit (25%) is payable for coronary artery bypass surgery. Payment of the partial benefit for coronary artery bypass surgery will reduce the benefit for a heart attack.

We will pay benefits, after any applicable waiting period and while the insured’s certificate is in force, he:
1. is diagnosed with a specified critical illness; &
2. is confined to a hospital as a result of the specified critical illness and charged for room, board and other applicable charges.

Additional Occurrence Benefit
If an insured collects full benefits for a Specified Critical Illness under the plan and later has one of the remaining covered illnesses, then we will pay the full benefit amount for any additional illness. Occurrences must be separated by at least 6 months.

Re-occurrence Benefit
If an insured receives full benefit for a covered condition and is later diagnosed with the same condition, we will pay the full benefit again. The two dates of diagnosis must be separated by at least 12 months.

Health Screening Benefits
After the Waiting Period, An insured may receive a maximum of $50 for any one covered screening test per calendar year. We will pay this benefit regardless of the results of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a specified critical illness. There is no limit to the number of years the insured can receive the health screening benefit; it will be paid as long as the policy remains in force. This benefit is payable for the covered employee and spouse. This benefit is not paid for dependent children. The covered health screening tests include:

• Stress test on a bicycle or treadmill
• Fasting blood glucose test, blood test for triglycerides or serum cholesterol test to determine level of HDL and LDL
• Bone marrow testing
• Breast ultrasound
• CA 15-3 (blood test for breast cancer)
• CA 125 (blood test for ovarian cancer)
• CEA (blood test for colon cancer)
• Chest x-ray
• Colonoscopy
• Flexible sigmoidoscopy
• Hemocult stool analysis
• Mammography
• Pap smear
• PSA (blood test for prostate cancer)
• Serum protein electrophoresis (blood test for myeloma)
• Thermography

Individual Eligibility
All full-time employees, working at least 30 hours or more weekly, with at least 90 days of continuous employment by the date of the enrollment are eligible. If an employee is eligible, their spouse is eligible for coverage and all children of the insured who are unmarried and less than twenty-five (25) years of age. Issue age is between 18-69. Seasonal and temporary workers are not eligible to participate.

Spouse Coverage Available
The employee may elect to purchase spouse coverage. In order to apply for spouse coverage, the employee must also apply. The spouse amount may not exceed 50% of the employee amount, subject to the minimum face amount of $5,000. If the employee does not meet the underwriting requirements necessary to participate in the plan, the spouse can still obtain coverage. The spouse would then become the primary insured and is limited to face amounts between $5,000 and $25,000.

Dependent Children Coverage at No Additional Charge
Each eligible dependent child is covered at 10 percent of the primary insured amount at no additional charge. We will not pay 10% of the primary insured amount more than once for the same covered specified critical illness. The payment of benefits for a dependent child does not reduce the face amount of the primary insured. Children-only coverage is not available.

Portability
• Continuously insured for at least six months prior to terminating employment
• Same rates
• Remains in force until the earlier of the date the employee fails to pay or the group master policy is terminated.

Underwriting Guidelines
All applicants are required to answer underwriting questions. Spouse coverage is always underwritten using the Modified Guarantee Issue questions.

Modified Guaranteed Issue
For employee amounts of $50,000 or less, and spouse amounts of $25,000 or less:

Participation Requirements
A minimum of 25 approved employee payees are needed to establish group billing.

Limitations and Exclusions
This policy contains a 30-day "waiting period." This means that no benefits are payable for any insured who has been diagnosed and confined to a hospital before coverage has been in force 30 days from the effective date of coverage. If a insured is first diagnosed and confined to a hospital during the "waiting period," benefits for treatment of that Critical Illness or specified procedure or the employee may elect to void the certificate from the beginning and receive a full refund of premium*.

Pre-existing Condition Limitation**
"Pre-existing Condition" means a sickness or physical condition which, within the 12-month period prior to the effective date of coverage, resulted in an insured receiving medical advice or treatment;