Critical Illness Insurance

Critical Illness Insurance overview

Our Critical Illness Insurance, provided by Lincoln Financial Group, provides a lump sum payment in the event of a critical illness diagnosis. And, by participating in one of the eligible screening/prevention measures each year, you’ll get a $75 benefit each year!

Coverage is guaranteed — there is no need to answer any medical questions.

Critical Illness Insurance complements your medical plan and Life & Long-Term Disability Insurance. It provides you or a covered family member with a lump sum payment in the event that you or a covered family member experiences one of over 35 critical illnesses – including cancer, heart attack, stroke, and kidney failure.

You can choose between:

• $10,000
• $20,000
• $30,000
• $40,000

The lump sum is paid directly to you regardless of any other insurance you may have. To receive the lump sum, the individual must meet all group policy and certificate requirements.

You can use the lump sum as you see fit, including to cover your deductible, copays/coinsurances, household expenses – like your mortgage, groceries or childcare, and experimental treatments. Having extra financial support in such circumstances means less worry for everyone involved.

Coverage also includes a “recurrence benefit” of 100% of the initial benefit. So, if you received an initial benefit with a diagnosis of one of the covered conditions and the condition returns, you may be entitled to this recurrence benefit. A recurrence benefit is available for a number of conditions, including heart attack or stroke, as well as full and partial-benefit cancer.

How to make a claim

If you experience a covered critical illness, follow the six simple steps to submit your claim through the Lincoln Financial self-service benefits website:

1. Log in to LincolnFinancial.com. First-time users need to register. See instructions below for first-time user registration:
   • Select Register on the top right of the page.
   • Choose the Register now button for individuals.
   • Enter the requested information.
   • Validate your identity and create a username and password.
   • Select Log in Now.
2. Select Critical Illness coverage to proceed with filing your claim.
3. Navigate to the claims section of the portal and select Submit a claim.
4. Answer the questions that appear, and upload requested supporting documentation.
5. Confirm your submission.
6. Check the status of your claim online anytime at LincolnFinancial.com.

Other ways to submit a claim:

• Online: Through secure messaging on the self-service portal
• Email: FileClaim@LFG.com
• Fax: 888-735-7636
• Mail: The Lincoln National Life Insurance Company P.O. Box 2609 Omaha, NE 68103

Lincoln Financial Customer Service Representatives will be available to answer questions at any time throughout the claims process.

How much does this benefit cost?

The cost will vary based on the amount selected, your age at the time of enrollment, and who you choose to cover. Your per pay cost will show in Workday when you elect this benefit.

How to make the most of this benefit

• This benefit complements the Health Savings Account (HSA), as you can use it to pay for covered out-of-pocket expenses before using your HSA.
• Add dependent coverage — your spouse and any children through the month they turn age 26 are eligible.
• Lincoln provides an annual benefit of $75 per calendar year for taking one of the eligible screening/prevention measures.
• If you need emotional support or counseling following a critical illness diagnosis, the Employee Assistance Program is available to you 24/7.
• Change your coverage at any time during the year if you have a relevant and qualified change in family status (e.g. you get married and want to add your spouse) – update your elections in Workday.