Proprietary 8-22 20 plans PAYMENT EXAMPLE The example below illustrates an individual who elected an Initial Benefit Amount of $10,000 and has a Total Benefit of five times the Initial Benefit Amount, or $50,000 (lifetime benefit). The Total Benefit paid is $30,000, leaving a $20,000 benefit remaining for any future Recurrence or Initial Benefit payments. Illness – Covered Condition Payment Total Benefit Remaining Heart Attack – first diagnosis Initial Benefit payment of $10,000 or 100% $40,000 Heart Attack – second diagnosis, two years later Recurrence Benefit payment of $10,000 or 100% $30,000 Kidney Failure – first diagnosis, three years later Initial Benefit payment of $10,000 or 100% $20,000 Plan exclusions and limitations CII is a limited group policy. Like most group accident and health insurance policies, CII policies contain certain exclusions, limitations and terms for keeping them in force. There is a pre-existing condition exclusion and there is a Benefit Suspension Period between Recurrences. A more detailed description of the benefits, limitations, and exclusions applicable to you can be found in the Disclosure Statement or Outline of Coverage/Disclosure Document available at the time of enrollment. Please review the notes and guidelines of the plan when applying, as there may be plan variances based on state residence.
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