Decide TODAY to Protect Tomorrow

Transcription

1 Decide TODAY to Protect Tomorrow Association Benefits and Voluntary Insurance Plans Specifically Designed for Independent Contractors UTBA/Capitol Group Health Services, Inc.

2 UTBA/Capitol Group, Inc. Our Mission Our mission at UTBA/Capitol Group, Inc. is to be recognized as the most competent and innovative provider of benefit and communication services in the Transportation industry. About Us UTBA/Capitol Group, Inc. provides enduring, no nonsense, benefit and communication solutions for our trucking clients. Capitol Group purchased an existing association, formed in 1987, and the name and focus was changed to the trucking industry. The leadership of the company has over 50 years experience in developing the appropriate product mix for drivers and key owner/operator drivers. We have created the best venue available in the marketplace for communication, enrollment, and implementation of the process, and servicing the total package. We currently do business with over 150 trucking companies, and insure thousands of their valuable drivers and owner/operators in our affordable benefit plans. Our 25 full time licensed representatives have many years of experience working with owner/operators. Our success is attributable to the communication and distribution system we utilize to reach our prospective members, and to how our program is implemented. National Service Center Our National Service Center handles all of the administration including: billing, collections, expediting claims, cancellations, and changes in benefits, through our nationwide 800 line ( ) and our website (UTBA.com). The website is accessible to members 24 hours a day, using their personal PIN code. Web access allows our members to see which family members are enrolled, what their specific premiums are, and what all of their benefits entail.

3 WHY UTBA MEMBERSHIP? 1. Access to a full package of insurance benefits as outlined in the following pages UTBA provides its members access to group insurance plans that have group rates. These plans and low rates are not available directly to individuals. The association is your group and the only way to get these insurance plans! 2. Access to numerous health and consumer discounts. UTBA seeks out a variety of discounts and services to add value to its membership. From Delta Community Credit Union eligibility and 24 hour Roadside Assistance to our National Service Center, UTBA membership has its advantages! Once you become a member, you can sign up for any of the insurance plans and take advantage of the association benefits and discounts. Members will be responsible for the $4.99 weekly member fee in addition to insurance benefit costs. Your Association Membership Discounts Include: Consumer & Travel Services Delta Community Credit Union Membership o IRAs, Savings Accounts, Low Cost Loans o 24 Hour Roadside Assistance ($50 per claim) Quest Travel Plan (Hotel, Car Rental, and Travel Savings) Child ID Safety Network Savers Club Book (Theatres, Restaurants, Theme Parks. etc) Motel 6 Lodging Discounts CLC Lodging Discounts workforce travel savings Health Services Call MD 24/7 Doctor On Call and Prescriptions! o o UTBA Members prior to 10/1/14: call UTBA to activate AeroFlow Sleep Apnea Discount Program Emergency Medical Travel Assistance 24 Hour Emergency Nurse Helpline Gateway Medical Card (Lists Medications and Conditions) LensCrafters Vision Club Vitamin and Nutritional Supplement Discounts (Up to 40%) Mail Order Hearing Service Online Health Assessment UTBA National Service Center or Insurance Account Management Member Eligibility Verification of All Benefits General Policy Questions, Cancellations, Additions, Claims, ID cards, etc. Guidance for 24 Hour Access to Benefits via website Information on Prescription Benefits Steerage to PPO Discount Network of Hospitals, Clinics and Doctors Member Patient Advocacy Program

4 UTBA Insurance Benefits Full Package of Benefit Offerings Universal Trucking Benefits Association has one of the most competitive and affordable insurance programs for drivers in the transportation marketplace today. UTBA has worked with many of the top insurance companies for many years and has built a trust with them to constantly offer the best plans and pricing to our prospective clients and members. All of the insurance companies available with UTBA are rated A or higher by AM Best and have been financially stable for many, many years. Most of the Insurance Plans available with UTBA are available thru all states. Most are also available with affordable UTBA group rates and are also guaranteed issue, regardless of medical conditions. UTBA is always on the lookout to find the best insurance plans available in the trucking industry as well as constantly working with our current insurance providers to develop and enhance current and future UTBA Insurance Plans. Individual Major Medical (Federal/State Exchange Plans and options from ehealth) o Direct Pay Only/Only Available during nationwide enrollment periods or with a Qualifying Life Event Limited Benefit Medical GAP & Hospital Indemnity Insurance (TransAmerica) Dental Insurance (American Public Life) Vision Insurance (United Healthcare) Disability Insurance (TransAmerica) Life Insurance Universal and Term (TransAmerica) 24 Hour Accident (American Public Life) Critical Illness (American Public Life) Guaranteed Issue underwriting on most plans! As a valued Independent Contractor you will be given the option to conveniently pay for all of your selected benefits and UTBA association fee through a weekly settlement deduction! You will also be able to keep most of your benefits and UTBA association membership, even after you are no longer contracted!

5 Individual Major Medical Insurance Under the Affordable Care Act you and your family must either be insured under a Qualified Health Plan throughout the year, or possibly be subject to a penalty when you file taxes. A Qualified Health Plan provides 10 essential health benefits (i.e., preventative care, emergency, hospitalization, lab services, prescription, etc.) and is typically a Major Medical plan designed with deductibles, coinsurance, and/or copays. You can choose from private insurance plans inside the State/Federal Marketplaces (and possibly qualify for a subsidy) or choose a plan outside the Marketplace. UTBA agents will walk you through your options, help determine eligibility, and advise you on enrollment procedures. NOTE: Major Medical policies do not qualify for settlement deductions; premiums must be paid directly to the carrier. Major Medical enrollment is only available if: 1) You sign up during the nation wide open enrollment period (dates for 2015 are Nov. 15, 2014 Feb. 15, 2015) OR 2) You have a Qualifying Life Event (i.e., marriage, divorce, permanently move, birth/adoption) Marketplace Plans ( There are 4 main categories or metal levels of coverage in the Marketplace. Plans in each category pay different amounts of the total costs of an average person s care. This takes into account the plans monthly premiums, deductibles, copayments, coinsurance, and out ofpocket maximums. The actual percentage you ll pay in total or per service will depend on the services you use during the year. Plans Options: BRONZE SILVER GOLD PLATINUM Rates & Subsidies: Premiums are usually higher for plans that pay more of your out of pocket medical costs when you get care. For example, if you have a Gold plan, you'll likely pay a higher premium than for a Bronze plan, but may have lower costs when you go to the doctor or use another medical service. Subsidies (assistance to reduce premium costs) are only available through the Marketplace. For example, in 2015, an individual making up to about $46,000, or a family of 4 making up to about $95,000, may qualify for these lower costs. UTBA agents can help you determine if you qualify for a subsidy. Non Marketplace Plans ( Non Marketplace plans also follow the metallic system of Bronze, Silver, Gold, and Platinum options as in the Marketplace required by the ACA. However, non marketplace plans are not eligible for subsidies. By partnering with ehealthinsurance, UTBA representatives are able to provide quotes from all the major insurance carriers in your area and guide you to our online portal so you can compare plans and complete an application. Sample Carriers and Monthly Rates Ranges For a 40 year old living in Boone County, IN (zip code 46268); 2015 Single coverage BRONZE SILVER GOLD PLATINUM Anthem BC/BS $ $ $ $ $ n/a Humana $ $ $ $ n/a n/a PHP $ $ $ $ n/a n/a United Healthcare $ $ $ $ $ $ $493.80

6 GAP Medical Plan (Hospital Select II ) Why GAP Coverage? Paired with a Major Medical plan, the first dollar coverage of a Limited Medical plan helps pay out of pocket costs such as: high deductibles coinsurance copays The TransAmerica Hospital Select II is a voluntary hospital indemnity plan* that helps pay for hospital and other care when you need it most. Benefit payments can be paid directly to you unless they are assigned to the healthcare provider and are paid in addition to any other insurance you may have. Daily In Hospital Indemnity Benefit Pays each day a covered person is confined to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as the result of a covered accident or sickness. Max 31 days per confinement. Intensive Care/Coronary Care Rider Pays each day a covered person is confined to an intensive care unit as the result of a covered accident or sickness. Max 30 days per calendar year. Hospital Confinement Indemnity Benefit Pays each day a covered person is confined to a hospital (but not an emergency room, outpatient stay or stay in an observation unit) as the result of a covered accident or sickness lasting a minimum of 24 continuous hours from time of admission. Max 1 day per confinement/1 day(s) per calendar year Critical Illness Indemnity Benefit Pays once when the insured is diagnosed with a critical illness (life threatening cancer, heart attack, stroke, end stage renal failure, or major organ failure). A subsequent benefit is payable when the insured is diagnosed with a different critical illness 60 or more days after the first diagnosis. Off the Job Accidental Injury Indemnity Benefit Pays each day a covered person receives treatment for a covered accident. Treatment must be provided by a physician within 96 hours of the accident. Max 1 day per accident/5 days per calendar year $150 $300 $1500 $5000 (Dependents 50%) $100 Weekly Rates includes association fee Member $14.41 Member & Spouse $24.70 Member & Child(ren) $18.53 Family $27.19 *12 month pre existing condition limitations apply. Consult policy for full benefit descriptions, limitations, exclusions, and provisions.

7 TransAmerica Trans Choice Plus UTBA Group Hospital Indemnity Insurance with Multi Plan PPO Network TransChoice Plus pays indemnity benefits regardless of any other insurance you might have (no benefits are payable for expenses covered by workers compensation insurance). Benefit Type Trans Choice Plus Schedule of Benefits Basic Enhanced Premier INPATIENT BENEFITS Daily In Hospital Confinement Benefit Surgical and Anasthesia Benefit When a covered person is confined to a hospital as a result of a covered sickness or accident. Benefits are paid for each day over 23 hrs. an insured is confined in a hospital up to a maximum of 30 days confinement. Pays when a covered person undergoes a surgical procedure listed in the schedule of benefits as a result of a covered accident or sickness. The anesthesia benefit is paid at % of the surgical benefit amount. $500/day $1000/day $1200/day $2000 per Surgical Procedure 30% Anesthesia $4000 per Surgical Procedure 30% Anesthesia $5000 per Surgical Procedure 20% Anesthesia In Hospital and Surgical AdditionalBenefit Intensive Care Daily Benefit OUTPATIENT BENEFITS Outpatient Physician Office visit Benefit. Outpatient Diagnostic X ray and Laboratory Benefit Benefit pays an additional benefit for each covered person when he/she receives treatment or surgery while confined to a hospital as an inpatient as a result of a covered accident or sickness. When a covered person is confined to a intensive care unit inhospital as a result of a covered accident or sickness. Benefits are paid for each day an insured is confined to hospital intensive care up to 30 days/year. Pays per visit as a result of covered sickness or accident up to a maximum of 6 visits per calendar year per member and spouse each. Total of up to 6 visits for each child per calendar year. Pays per day for tests performed for the purpose of diagnosis of a covered sickness or accident Maximum 2 tests per calendar year per covered person. $1,000 per 2 Confinements $1,000 per 2 Confinement $1,000 per 1 Confinement $500/day $1000/day $1000/day $50/visit $80/visit $100/visit $100/test $100/test $200/test Wellness Indemnity Benefit *Well Child visits included 0 12 months 4 visits; months 2 visits Emergency Room Sickness Benefit Pays benefit for each covered person who has one of the following tests: physical exam, flexible sigmoidoscopy, mammograms, prostate specific antigen test, pap smear, immunization, blood screenings. Payable once per calendar year per covered person. Pays benefit per visit to an Emergency Room due to a sickness. Maximum 2 visits per year. $50 $100 $100 $100 $150 $150 Off the job Accidental Injury Benefit Benefit pays actual charges of expenses up to a maximum of the benefit amount shown per covered accident, up to 5 covered accidents per covered person, per calendar year (non occupational). $300 $500 $1,500 ADDITIONAL PLAN BENEFITS Prescription Drug Benefit Group Term Life Policy with Accidental Death and Dismemberment (AD&D) Rider Pays per prescription when an insured incurs expenses for prescription drugs prescribed by a physician as a result of an accident or sickness. Up to 12 prescriptions per calendar year for member and spouse each and 12 prescriptions per calendar year for all children covered. Member, Spouse and Children are eligible. AD&D Rider is not available to children. $20 per Prescription $10,000 per Member, $5,000 per Spouse and $2,500 per Child $20 per Prescription $10,000 per Member, $5,000 per Spouse and $2,500 per Child $25 per Prescription $10,000 per Member, $5,000 per Spouse and $2,500 per Child Critical Illness Indemnity Benefit Benefit per initial diagnosis of a covered critical illness (example: cancer, heart attack, stroke) and an additional lump sum benefit of the same amount for a subsequent and separate covered critical illness na na $10,000 lump sum benefit (covered dependents eligible for 50%) DISCOUNT PROGRAMS Individual Discount Card offered by New Benefits, Ltd. This card will provide access to a discount vision plan, nurses hotline, counseling services and discounts for hearing aids. All Benefits Included All Benefits Included All Benefits Included PPO Network offered by KBA WEEKLY RATES BY PLAN eff Includes UTBA FEE Individual and covered dependents will receive contracted savings from the normal fees charged by network physicians, hospitals and outpatient x ray and laboratory providers. Multiplan Network Multiplan Network Multiplan Network Individual Only $36.37 $53.21 $66.18 Individual + Spouse $61.40 $93.04 $ Individual + Children $57.88 $86.87 $ Individual + Family $83.13 $ $157.00

8 Dental and Vision Insurance Plans APL Dental Insurance All eligible independent contractors and their family members are offered the opportunity to enroll in this guaranteed acceptance group dental plan with American Public Life Insurance Co. Preventative Services Covered at 100% with No Waiting Period NO DEDUCTIBLE: o Periodic Exams, Bitewing X rays, Prophylaxis (cleaning & scaling), Space Maintainers, Fluoride treatments for children and Sealants Services Covered at 60% with No Waiting Period: o Radiographs FMX: Full mouth or Panoramic X rays, o Basic: Palliative (emergency) Treatment of Dental Pain, Simple Extractions, X rays (Intraoral Periapical, Extraoral, Vertical Bitewings and Sialography) o Basic Restorative: Amalgams and Resin Based Composites Services Covered at 40% after 12 month Waiting Period: o Major: Inlay, Onlay, Crown, Fixed Partial Denture (bridge), Partial and Complete Denture o Endodontics: Root Canal (Anterior, Bicuspid and Molar) Therapeutic Pulpotomy o Periodontics: Gingivectomy, Osseous Surgery, Periodontal Scaling and Root Planing o Prosthodontic Repairs: Rebase, Reline, Repair Broken Clasp and Repair Cast Framework o Oral Surgery: Removal of Impacted Tooth, Frenulectomy, Incision and Drainage of Abscess $50 Annual Deductible with Maximum Deductible of $150 per Family (Deductible combined for all services covered at 60% and 40%. No deductible for Preventative Services.) Calendar Year Maximum Benefit of $1,250 Individual Only Individual + Spouse Individual + Children Individual + Family Weekly Rates $5.31 $10.62 $10.15 $14.77 United Healthcare Vision Insurance All eligible independent contractors and their family members are offered the opportunity to enroll in this guaranteed acceptance group vision plan with UHC. UHC Vision Network consisting of more than 24,000 private practice/retail chain vision providers Comprehensive Vision Examination covered at 100% after $10 copay* 1 every 12 months Materials* $25 Copay o Lenses and Contacts covered at 100% 1 pair every 12 months o Frames covered at 100% 1 pair every 24 months *Enrolled members can choose from any UHC network provider. Lens benefits include standard single or multi focal vision prescription lenses with over 50 covered varieties to choose from. Members can choose from over 100 varieties of covered frames. Discounted rates for specialized materials. Individual Only Individual + One Individual + Children Individual + Family Weekly Rates $1.85 $3.24 $5.50 $5.50

9 Universal Life Insurance Benefits TransLegacy SM Universal Life Insurance TransLegacy Universal Life (UL) Insurance combines life insurance protection with an ability to grow cash value. The insured has the benefit of a specified death benefit plus the opportunity to tailor coverage to fit your personal situation, as well as the needs of your family. As with all life insurance, the main purpose for getting a TransLegacy Universal Life insurance policy is to help secure a financial future for you and your loved ones. Here are some additional advantages: Flexibility You decide how much life insurance you need and subject to certain requirements and limitations, you can adjust the death benefit and premium payments to fit your changing needs. Convenience You ll appreciate the convenience of automatic premium payments through payroll deduction. If you retire or leave your group, you can take comfort in knowing the premiums for your coverage will not change because you leave. You can choose direct bill or pre authorized bank draft. Security You help protect your loved ones against possible financial hardship in the event of the insured s death. Tax Free death benefit Under current tax laws governing individual life insurance, life insurance proceeds are generally income tax free to the beneficiary. Tax Deferred account value growth Your policy s Account Value earns interest at the company s current interest rate federal income tax deferred. The current interest rate is guaranteed to be at least 4% a year. Because of these advantages, universal life can be used in estate planning and retirement planning, offering the policy owner a variety of options. UTBA Member Policy Highlights: Contingent Guaranteed Issue up to $150,000 on driver, $25,000 on spouse and $10,000 on children. Accidental Death Rider pays double the death benefit in the event of an accidental death. Coverage continuation in case of a layoff protects your life insurance from lapsing for up to six months if you re involuntarily laid off. Conditions and limitations apply. Cash Value grows tax deferred. Cash value interest rate guaranteed at 4.0%!! Long Term Care/Extension of Benefits Rider helps to pay towards nursing home, assisted living facility, home health care, or adult day care services; helps to extend benefits payments if necessary Sample Weekly Rates for $50,000 (assumes Tobacco User): Age at Time of Policy Purchase Death Benefit Weekly Premium Estimated Cash Value at age 65 assuming 5.25% interest (Non-Guaranteed) 35 $50,000 $10.65 $11, $50,000 $17.35 $9, $50,000 $29.19 $3,763

10 Term Life Insurance Benefits Trans Select 20 Term Life + 25% Critical Illness Rider Term Life insurance can help protect your family s financial security in the event of death. In addition to life insurance protection, this unique policy also provides benefits that can help you and your loved ones financially cope with a critical or terminal illness while the policy holder is living. Plus you get level premiums locked in for five years and optional coverage for your spouse and eligible dependent children. Benefit Levels Evidence of Insurability Policy Length Critical Illness Rider Terminal Illness Rider Waiver of Premium Rider Conditional Guarantee issue up to $150,000 on member, $25,000 on spouse, and $10,000 on children Conditional Guarantee issue 20 year Term Life Policy When diagnosed and certified by a physician as having one of five specified conditions, you can receive an early, lump sum payment of up to 25% of your life insurance benefit. The five covered critical illnesses are heart attack, stroke, specified cancers, end stage renal failure and major organ transplant surgery* If the insured is diagnosed with a qualifying terminal illness, the Terminal Illness benefits provides an accelerated death benefit ** payout of up to 50% of the life insurance policy amount up to a maximum of $100,000 Protects you, your spouse and dependent child s life insurance coverage from lapsing for up to six months if you are totally disabled*** Examples of Weekly Rates for $50,000 policy: Age at time of Non Smoker Smoker purchase 30 $3.44 $ $6.06 $ $9.28 $ $20.21 $35.03 Spouse rates are based on spouse s age. Children cost $0.29 per week per $5,000 in benefit (regardless of number of children covered). *The critical illness diagnosis must occur for the first time after a 30 day waiting period following the effective date of this critical illness coverage. If a spouse or eligible dependent child covered under this contract is diagnosed and certified as having one of the specified critical illnesses the contract owner, may receive an early payout of up to 25% of the life insurance death benefit. The balance of the coverage, if any, will be paid to the beneficiary upon the death of the insured. **Accelerated Death Benefit for Terminal Illness not available in MA ***Waiver of Premium due to layoff or strike not available in CT, MA, MD, NJ, or TN TransSelect 20 is a Group Term Life insurance underwritten by Transamerica Life Insurance Company, Cedar Rapids, IA. Premiums are guaranteed level for 5 years, and then premiums may increase annually starting in year 6. Limitations and exclusions may apply. Refer to the policy, certificate, and riders for complete details.

11 Disability Benefits TransDI Plus Disability Insurance 24 Hour Accident Plan TransDI Plus helps replace income lost from a short term disability by providing up to On and Off the Job 60% of base Accident annual salary Insurance if a covered person is unable to work due to total or partial disability if not work related. This policy s monthly benefit can be used to help cover costs Accidents continue to be the fifth leading cause of death for Americans. About 1 in 10 Americans visited a hospital if you are without a regular paycheck such as: emergency room due to an accidental injury in Each year, about 1.2 million children between the ages of 5 and 14 are treated for sports and recreational related injuries. Over 90% of disabling accidents and illnesses are not work Mortgage/ Rent Car Payments Groceries related and therefore are not covered under Workers compensation. Credit Card Payments Utilities Daily Living Expenses Summary of Benefits by Level Waiver of Premium Provision This benefit goes further Benefit to ease Description the financial burden of disability. Premiums Level 2 are covered Level 3 after 90 consecutive days of total disability or the elimination period whichever is longer. Refer to the contract provisions Outpatient for Treatment limitations. Benefits Partial Hospital Disability Emergency Benefit Room Provision $500 $750 When (if treatment recovering received from within a disability 72 hours) activating the Waiver of Premium Provision, if an insured can only Physician s Office return to work on a limited basis, TransAmerica will pay up to half of the $100 monthly benefit $150 amount, starting (if treatment received within 30 days) the first day following the end of the total disability. Emergency Dental Work Accelerated $100 $150 (if treatment Benefit received for within Terminal 72 hours) Illness Rider If Inpatient a covered Treatment person is Benefits initially diagnosed with a terminal illness (12 months left to live) by a physician on or after the effective date of the rider, 12 months of disability benefits are paid in advance. Hospital Admission $500 $750 Daily Hospital Confinement $200 $300 (per day up to 30 days) Benefit Type Payable for Elimination Period Intensive Care Unit $400 $600 (per Off the Job day up to 15 Accident days) Up to 12 Months 14 Days Accidental Death & Dismemberment Benefits** Sickness Up to 12 Months Death 14 Days $30,000 $45,000 Dismemberment Monthly Both arms Income and legs Benefit: This can be elected by the employee or contractor $30,000 in desired $45,000 amount (in $100 increments) between $400 and $3,000 monthly, up to 60% of basic monthly earnings. Both arms, legs, hands, feet or eyes $15,000 $22,500 Weekly Premiums One arm, leg, hand, foot or eye $7,500 $11,250 One or more finger(s) or toe (s) $2,000 $3,000 Monthly Benefit Age Age Age 60+ **Eligible child benefit is ½ the Insured s Benefit Amount. Ambulance $1,000 Benefit Ground or Air $9.97 $12.42 $500 $18.65 $750 Medical $1,500 Imaging $14.95 $18.62 $200 $27.97 $300 $2,000 $19.94 $24.83 $37.29 Weekly Rates by Level $2,500 $24.92 $31.04 $46.62 $3,000 Individual $29.91 $3.09 $37.25 $4.32 $55.94 Individual & Spouse $4.82 $6.95 One Parent Family $4.94 $7.06 Two Parent Family $7.71 $11.19

12 24 Hour Accident Plan On and Off the Job Accident Insurance Accidents continue to be the fifth leading cause of death for Americans. About 1 in 10 Americans visited a hospital emergency room due to an accidental injury in Each year, about 1.2 million children between the ages of 5 and 14 are treated for sports and recreational related injuries. Over 90% of disabling accidents and illnesses are not work related and therefore are not covered under Workers compensation. Outpatient Treatment Benefits Hospital Emergency Room (if treatment received within 72 hours) Physician s Office (if treatment received within 30 days) Emergency Dental Work (if treatment received within 72 hours) Inpatient Treatment Benefits Summary of Benefits by Level Benefit Description Level 2 Level 3 $500 $750 $100 $150 $100 $150 Hospital Admission $500 $750 Daily Hospital Confinement (per day up to 30 days) Intensive Care Unit (per day up to 15 days) Accidental Death & Dismemberment Benefits** $200 $300 $400 $600 Death $30,000 $45,000 Dismemberment Both arms and legs $30,000 $45,000 Both arms, legs, hands, feet or eyes $15,000 $22,500 One arm, leg, hand, foot or eye $7,500 $11,250 One or more finger(s) or toe (s) $2,000 $3,000 **Eligible child benefit is ½ the Insured s Benefit Amount. Ambulance Benefit Ground or Air $500 $750 Medical Imaging $200 $300 Weekly Rates by Level Individual $3.09 $4.32 Individual & Spouse $4.82 $6.95 One Parent Family $4.94 $7.06 Two Parent Family $7.71 $11.19

13 Critical Illness Plan A Critical Illness can happen to anyone at any time. Many times, major medical insurance plans may only pay some of the incurred charges, leaving you with unexpected expenses. Critical Illness insurance is designed to help supplement out of pocket expenses associated with covered critical illnesses that are positively diagnosed by a physician. These illnesses can affect individuals with high deductible health plans, traditional health plans, or no health plans. A critical illness policy can offset both medical and non medical out of pocket expenses. $10,000 Critical Illness Benefit Benefit Amounts Heart Attack Coronary Artery Bypass Surgery Coronary Angioplasty Permanent Damage Due to a Stroke Major Organ Failure End Stage Renal Failure Permanent Paralysis (Accidental Injury) Invasive Cancer Carcinoma In Situ Skin Cancer Complete Loss of Sight Complete Loss of Hearing Advanced Alzheimer s disease Recurrent Diagnosis Benefit Rider Health Screening Test Benefit Rider Waiver of Premium Benefit 25% of the Critical Illness Benefit Amount $500 Indemnity Benefit Amount 25% of the Critical Illness Benefit Amount $250 Indemnity Benefit 50% of the Critical Illness Benefit Amount $50 Indemnity Benefit Waive Premium Weekly Rates (Non Nicotine) age Individual Ind/Spouse Ind/children Family $1.89 $2.81 $2.15 $ $2.21 $3.30 $2.46 $ $2.70 $4.06 $2.98 $ $3.38 $5.12 $3.68 $ $4.41 $6.69 $4.75 $ $5.76 $8.72 $6.12 $ $7.48 $11.32 $7.88 $ $9.27 $14.03 $9.70 $ $11.15 $16.87 $11.62 $17.34 (Nicotine) age Individual Ind/Spouse Ind/children Family $2.18 $3.25 $2.44 $ $2.70 $4.04 $2.96 $ $3.52 $5.29 $3.80 $ $4.81 $7.22 $5.11 $ $6.77 $10.10 $7.11 $ $9.32 $13.89 $9.70 $ $12.55 $18.65 $12.97 $ $16.17 $23.99 $16.63 $ $19.96 $29.58 $20.47 $30.09 Call UTBA at to Enroll Now