• Home
• Patients
  • Maps, Directions & Websites
  • Campus Floor Plans & Parking
  • Online Services
  • Preparing for Surgery
  • Preparing for Endoscopy
  • Request Medical Records
  • Key Telephone Numbers
• Visitors
  • Visiting Hours
  • Maps, Directions & Websites
  • Campus Floor Plans & Parking
  • Gift shop
  • Wi-Fi Information
• Medical Services
  • All Services
  • New Beginnings Maternity Center
  • Emergency Care
• Find a Doctor
  • Physician Directory
  • Physician Referral
  • Botsford Medical Offices & Websites
• Careers
  • Job Openings
  • Nursing
  • Benefits & Services
  • Volunteering
• Education
  • Graduate Medical Education
  • Medical Students
  • Health Information
  • Classes & Support Groups
• About Us
  • Botsford Foundation
  • Contact Us
  • Fast Facts
  • History
  • Mission & Vision
  • Newsroom
  • Quality & Safety Information

Botsford Voluntary Benefits Program

Critical Illness Insurance

THIS IS A SPECIFIED DISEASE POLICY

How It Can Help

When you buy Voluntary Critical Illness Insurance, your protection includes:

• Lump Sum benefit when first diagnosed with a covered critical illness (pre-existing condition limitations and exclusions may apply)
• Double benefit allows for a second cash payment equal to the first when you experience a second covered critical illness. The second illness must be a different covered condition than the first and must occur at least six months later.
• Optional features you can choose for extra coverage

Who Can Be Covered?

You may choose coverage for yourself only, you and your spouse, you and your children, or you, your spouse and your children.

Special Features

Coverage features include the following:

• A specific expense is not required for the lump sum benefit payout; you can use the money any way you wish
• You can buy optional features that would automatically increase your benefit amount every year for five years, and you can choose the option that would pay for an annual screening test (such as a mammogram or PSA test) each year, up to $100.
• An Occupational HIV Benefit Rider that provides a lump sum cash payment in the event an insured contracts HIV in conjunction with the performance of their normal occupational duties from a needle stick or sharp injury, or mucus membrane exposure.

Enrolling for Coverage

You can enroll for coverage after you have completed 3 months of service as an eligible full-time employee, or 12 months of service as an eligible part-time employee.

Employees can apply for coverage during the annual voluntary benefits open enrollment period, typically in August of each year. For 2008, the open enrollment period is August 18 - 27, 2008. New hires that do not elect coverage during this enrollment period will have an opportunity to enroll the following year during the voluntary benefit annual enrollment period.

With respect to the effective date, employees that enroll from August 18 - 27, 2008, will have a November 1, 2008 policy effective date.

Covered Critical Illnesses:

To learn more, read important coverage details in the official materials from the insurance carrier, Trustmark Insurance Company.

Critical Illness Insurance is underwritten by Trustmark Insurance Company, Lake Forest, Illinois. Coverage is available to applicants who meet eligibility and insurability requirements. Refer to policy form CACI-82001 and forms HS-12-0000/R, HIV 806 and SB 806 for your state for exact terms and provisions. First diagnosis means the first time a physician identifies a covered condition from its signs or symptoms. If you have had a diagnosis of a covered condition prior to your Effective Date, you may not be eligible for a benefit.