19 Proprietary 8-22 supplemental CRITICAL ILLNESS INSURANCE (CII) Even if you have comprehensive medical insurance, there are still expenses associated with a critical illness that many medical plans are not designed to pay, such as copays, deductibles, out-of-network treatments, childcare, mortgage and utility payments. Critical Illness Insurance provides you with a lump-sum payment that can be used for any purpose in the event you or a covered family member is diagnosed with a covered condition. Covered conditions CII provides you with a lump-sum payment in the event a Covered Family Member is diagnosed with one of the following medical conditions (as they are defined by the group certificate): n Full Benefit Cancer n Partial Benefit Cancer n Heart Attack n Stroke n Coronary Artery Bypass Graft n Kidney Failure n Alzheimer’s Disease n 22 Listed Conditions A Major Organ Transplant Benefit is also included, as well as an annual health screening benefit. Enrollment Enrollment is guaranteed provided you are actively at work. There is no waiting period required for this coverage. To elect CII for yourself and your dependents, log on to www.farmersagentsbenefits.com. Plan benefits You may elect coverage with an Initial Benefit Amount of $10,000, $20,000 or $30,000 of CII for yourself, spouse/domestic partner and/or dependent child(ren). Your Initial Benefit provides a lump-sum payment upon the first diagnosis of a Covered Condition. A Recurrence Benefit is paid when a covered person is diagnosed with another occurrence of the same covered condition for which an Initial Benefit was previously paid. The maximum amount that you can receive through your CII plan for an Initial Benefit and Recurrence Benefit is called the Total Benefit (lifetime benefit) and is five times the amount of your Initial Benefit. This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum (see the payment example below). In addition to the Total Benefit amount, the plan pays: n An additional lump-sum payment of 100% of your Initial Benefit Amount in the event of a covered Major Organ Transplant. n An annual health screening benefit of $100 per calendar year for taking all of the eligible screening/prevention measures.
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