Allied Solutions, LLC Benefits At-A-Glance
Critical Illness Insurance
Coverage for you Critical Illness Insurance | Employee Guaranteed coverage amounts
The Lincoln Critical Illness Insurance Plan:
$10,000 or $20,000
Guaranteed coverage amounts • You can choose from the coverage amount(s) above
• Provides cash benefits if you or a
covered family member is diagnosed with a critical illness or event
• Benefits are paid in addition to what is covered under your health insurance
• Features group rates for employees • Includes access to a personal health
advocate who can assist you in managing healthcare services for you and your entire family
Coverage for your spouse You can secure Critical Illness Insurance for your spouse when you choose coverage for yourself. Critical Illness Insurance | Spouse Guaranteed coverage amount
$10,000 or $20,000 (up to 100% of the employee coverage amount)
Guaranteed coverage amounts • You can choose from the coverage amount(s) for your spouse
• There are no waiting periods or overall plan maximums
•
Coverage for your dependent children Your dependent children automatically receive 50% of your coverage amount at no extra cost. Critical Illness Insurance | Child(ren) Guaranteed coverage amount
$10,000
No money is due at enrollment. Your premium simply comes out of your paycheck.
Core Benefits Covered Conditions
Benefit Percentage
Heart attack
100%
Sudden cardiac arrest resulting in death
100%
Stroke
100%
Invasive Cancer
100%
End Stage Renal (kidney) Failure
100%
Major organ failure (heart, lung, liver, pancreas, or intestine)
100%
Arterial/vascular disease
25%
Mitral or aortic valve disease
25%
Noninvasive cancer (in situ)
25%
Skin Cancer (other than melanoma
$250 per lifetime
Supplemental Conditions Loss of sight, hearing and/or speech
100%
Accidental Injuries Benefit
Benefit Percentage
Severe burns, permanent paralysis or traumatic brain injuries (includes coma)
100%
Health Assessment / Wellness Benefit
Your Cash Benefit
You receive a cash benefit every year you and any of your covered family members complete a single covered exam or screening
Level: $50
Additional Plan Benefit(s) Health Advocate Services
Included
Portability
Included
Waiver of Premium
Included (2 years)
Note: See the policy for details and specific requirements for each of these benefits/benefit options.
EED-CIN21-FLI001_Z03
Group Critical Illness Insurance | Benefits At-A-Glance
Benefit Exclusions The plan includes only covered conditions or losses that occur when the insurance is in force. Benefits are not payable for any covered conditions or loss caused or contributed to by: 1. 2. 3. 4.
suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane; committing or attempting to commit a felony; participation in a felony; committing a felony; war or any act of war, declared or undeclared; participation in a riot, insurrection or rebellion of any kind; active participation in a riot, insurrection or rebellion; voluntary participation in a riot, insurrection or rebellion; participation in a riot or insurrection; or 5. a covered condition sustained while residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months. A Covered Condition sustained while residing outside the United States, its possessions, Canada, or Mexico for more than 12 months, unless the Covered Condition is rediagnosed/confirmed in the United States.
Benefits will not be payable if the insured person is incarcerated in any type of penal or detention facility. A benefit for heart attack or sudden cardiac arrest is not payable if the event occurs during a medical procedure.
Questions? Call 800-423-2765 and mention ID: ALLSOL.
EED-CIN21-FLI001_Z03
Group Critical Illness Insurance | Benefits At-A-Glance
Critical Illness Insurance Premium - Here’s how little you pay with group rates Group Rates for Employee | Monthly Premiums Employee Age range (Attained Age)
$10,000
$20,000
0-24
$4.26
$8.52
25-29
$4.97
$9.94
30-34
$5.99
$11.98
35-39
$7.72
$15.44
40-44
$11.18
$22.36
45-49
$15.66
$31.32
50-54
$22.34
$44.68
55-59
$29.93
$59.86
60-64
$41.77
$83.54
65-69
$57.11
$114.22
70+
$102.74
$205.48
Group Rates for Your Spouse | Monthly Premiums Spouse Age range (Attained Age)
$10,000
$20,000
0 - 24
$3.10
$4.65
25-29
$3.80
$5.70
30-34
$4.84
$7.26
35-39
$6.55
$9.83
40-44
$10.02
$15.03
45-49
$14.50
$21.75
50-54
$21.18
$31.77
55-59
$28.78
$43.17
60-64
$40.61
$60.92
65-69
$55.96
$83.94
70+
$101.60
$152.40
The Lincoln National Life Insurance Company Please see prior page for product information. EED-CIN21-FLI001_Z03
Group Critical Illness Insurance | Benefits At-A-Glance
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This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary and the contract, the contract will govern. Some benefits have limits on the number of services provided or limit the time frame in which the services must be rendered. See your certificate booklet or policy for more information. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. Product availability and/or features may vary by state. Limitations and exclusions apply.
©2023 Lincoln National Corporation LCN-3897683-110221 EED-CIN21-FLI001_Z03
Group Critical Illness Insurance | Benefits At-A-Glance