Lincoln Critical Illness Insurance

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1 Critical illness (200+ employees) Do more than wish them well Lincoln Critical Illness Insurance Employer Guide The Lincoln National Life Insurance Company GROUP BENEFITS CI-BRER-BRC001

2 Money should be the last thing on their minds They say money isn t everything, and there are times when that is particularly true like when facing a critical illness. That s why Lincoln Critical Illness Insurance is so much more than money. Yes, it pays a cash benefit to help cover the bills and everyday expenses that don t take time off for recovery. But the insurance also comes with benefits for covered critical illness assessment tests, and services of a personal health advocate and more to help employees stay healthy or to aid in recovery. How can you help your employees protect themselves from the financial realities of a critical illness? The answer is simple. Take your employee benefits package to another level. Lincoln Critical Illness Insurance pays a cash benefit when an insured person is diagnosed with a covered critical illness Benefits are paid in a lump sum and are based on diagnosis, not treatment Benefits may be paid for multiple illnesses and recurring illnesses in a category Personal health advocate and travel assistance services, along with benefits for covered critical illness assessments, are included, so employees can use their plan even if they re never critically ill Benefits are offered on an employee-paid basis for minimum impact to your bottom line Learn more about how our critical illness insurance offers you and your employees the flexibility to choose what s right for their needs.

3 u o y y b t il u b, n la p t h ig r The With Lincoln Critical Illness Insurance, you can customize a plan specifically for your employees. The flexibility of our plan offers you a choice of benefit amounts, categories of coverage, riders, waiting periods, preexisting condition options and more. You can also allow your employees to make a variety of selections so the plan is just right for their needs. Benefits are paid as a percentage, shown below, of the lump-sum amount selected. Standard on all plans Employer selects at least one coverage category* Lincoln CareCompassSM program Critical illness assessment benefit, child care expense benefit, personal health advocate services, support services, travel assistance services Heart Heart attack: 100% Stroke: 100% Heart transplant: 100% Arteriosclerosis:1 10% Aneurysm:1 10% Quality of Life ALS/Lou Gehrig s disease: 100% Advanced Alzheimer s disease: 100% Parkinson s disease: 100% Advanced multiple sclerosis (MS): 25% Loss of sight, speech or hearing: 25% Organ Major organ transplant (except heart): 100% End-stage renal failure: 100% Acute respiratory distress syndrome: 25% Child Nine genetic disorders:3 100% Six congenital metabolic disorders: 50% Type 1 diabetes: 50% 15 structural congenital defects: 25% Cancer Invasive cancer: 100% Cancer in situ:2 25% Benign brain tumor: 25% Bone marrow transplant: 25% Customize your plan with a variety of options Based on state availability, these benefits are available as employer or employee choices. Treatment Care Benefit Rider 4 for covered services, including use of an ambulance, hospital admission, hospital and ICU confinement, and more, when related to a critical illness. Permanent and Total Disability Benefit Rider 5 for permanent and total disability due to a critical illness. (Available for employee and spouse.) Accident Benefit Rider 6 for severe injury such as burns, paralysis or coma. Occupational HIV/Occupational Hepatitis (B, C or D) Benefit Rider 7 for on-the-job infection of the employee. Plus, you have options in Benefit maximums for recurring or multiple illnesses Benefit waiting periods 8 Age reduction options 9 Preexisting condition options 10 Guarantee Issue amounts * Coverage is available for employees, spouses and children for the Heart, Cancer, Organ and Quality of Life categories. Child category is available to dependent children only and cannot be the only category selected. In New Jersey, 25%. 2 In California, noninvasive cancer. 3 In California, specified genetic disease. 4 Not available in Connecticut, New Hampshire or New Jersey. In California, Permanent Impairment Benefit. Not available in New Jersey. 6 Not available in Kansas, New Hampshire, New Jersey or Washington. 7 Not available in California. 8 Not available in Minnesota or New Jersey. 9 No options in New Jersey. 10 In Maryland, one option. 1 5

4 Wellness and recovery At the heart of our critical illness insurance is the Lincoln CareCompass SM program. It s a package of benefits and services to help employees stay well and provide them guidance through their treatment process if diagnosed with a critical illness. Independent research shows those who experienced a critical illness found these types of services especially valuable because of their concern for the emotional impact on their family and difficulty navigating the treatment process. This assistance helps the patient stay focused on their recovery during a difficult time. Here s what s included in the Lincoln CareCompass SM program: Critical illness assessment benefit* This benefit can be used while an employee is healthy, to help them stay healthy. Each year, they can receive a cash benefit for completing one of 24 covered critical illness assessment tests, including: Colonoscopy Mammography Stress test Electrocardiogram (EKG) Pap smear Bone density screening Chest x-ray Serum cholesterol Blood glucose Carotid ultrasound Bone marrow testing Plus 13 more Child care expense benefit This benefit pays $25 per child to cover child-care expenses by a licensed care provider for each day the insured person is hospitalized for a covered critical illness, for up to 30 days for any one critical illness event. Personal health advocate services A health advocate provides guidance through the healthcare maze, helping to navigate the system and avoid hassles. The health advocate can provide assistance any time, not just during a critical illness, helping with: Coordinating care among different providers Identifying specialists to help with a specific condition Scheduling appointments Finding clinical trials that could speed recovery Getting the most out of their health insurance benefits Negotiating fees Support services Those covered by the plan, and who experience a critical illness event, have access to a variety of support services including referrals to community resources, support groups, and phone counseling for help with a variety of issues: Coping with their illness/condition Emotional concerns Personal finances, including debt management and budgeting Legal concerns Referrals for child care Follow-up and monitoring Travel assistance services Our travel assistance services help arrange travel and lodging needed for out-of-town care for a covered critical illness, including concierge-type services such as finding a convenient market or laundry. This helps everyone involved focus on recovery not on the logistics of a stressful stay away from home. Travel assistance also pays for medical evacuation and repatriation services when traveling more than 100 miles from home. Note: In California and New Jersey, applicants must have major medical insurance to be eligible for critical illness coverage. * In California, mammography is not included in the critical illness assessment benefit; a $200 mammography benefit (subject to frequency limits) is provided instead. In California, eligible tests include Human Papilloma Virus screening and any cervical cancer screening. Contact your Lincoln employee benefits expert to learn more.

5 Making enrollment stress-free Lincoln enrollment puts the stress on education not you. So you can rely on us to provide an easy enrollment experience for you and your employees. Our personalized and professional approach stays with you every step of the way: from planning a customized enrollment strategy to empowering your employees to make smart benefit decisions through clear communications and one-on-one consultation. What s more, our service excellence doesn t walk out the door after enrollment. Our expertise in implementation and claims management ensures you and your employees are confident in their benefits from Lincoln. > > > BEFORE ENROLLMENT DURING ENROLLMENT AFTER ENROLLMENT For you An enrollment manager works with you to develop an enrollment strategy customized to the unique needs of your organization. For your employees Preenrollment education means employees receive easyto-read information to help them understand their benefit options and how to learn more. For you Professional enrollment specialists, trained to educate employees without pressure tactics, are available to you and can even help gather updated employee personnel information. For your employees One-on-one consultations provide personalized attention to every employee. Needs-based education empowers each employee to buy only the coverage they need. For you Our renowned implementation and service excellence is with you every step of the way. Annual enrollments help increase employees understanding of their benefits. For your employees Quality products and services protect your employees and their loved ones. Employees can keep their coverage if they leave the organization. Smart EOI (evidence of insurability) from Lincoln provides real-time eligibility decisions for employees at the time of their critical illness enrollment.

6 In Maryland, Minnesota, New Jersey, New York and Washington, this product is offered as an individual insurance policy and is available on groups of 10 or more eligible employees Lincoln National Corporation 150 N. Radnor-Chester Road Radnor, PA Visit LincolnFinancial.com BP 12/12 Z02 Order code: CI-BRER-BRC001 In all other states, this product is offered as a group insurance policy and is available on groups of 200 or more eligible employees. This plan design is not offered in New York. This product is not available in Vermont. Health advocate services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), the nation s leading healthcare advocacy company. Travel assistance services are provided by FrontierMEDEX, Baltimore, MD. Employee assistance services are provided by Bensinger, DuPont & Associates (BDA), Chicago, IL. Coverage is subject to actual contract language. These companies are not Lincoln Financial Group companies. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment. Insurance products (policy series GL51, GL51SG, WIND) 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. Not for use in New York. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.