Your Group Benefits: Critical Illness
Basic Critical Illness Insurance – Active Members Only
If, while you are insured for this benefit, you are diagnosed with one of the covered Critical Illness conditions shown in the Covered Critical Illness Conditions Pamphlet available from the benefit administration department, you can submit a claim for your Basic Critical Illness benefit. You must have survived your illness for 30 days or more past the date you were first diagnosed. Your claim will be evaluated using the Entitlement Criteria.
The Benefit Benefit Type – Comprehensive
Benefit Amount – $10,000
Termination Age – your benefit terminates at the earlier of age 75, your retirement or your Critical Illness benefit is paid out in each of the 4 Multiple Event Coverage Groups
Member Optional Critical Illness Insurance
If, while you are insured for this benefit, you are diagnosed with one of the covered Critical Illness conditions shown in the Covered Critical Illness Conditions Appendix, you can submit a claim for your Member Optional Critical Illness benefit. You must have survived your illness for 30 days or more past the date you were first diagnosed. Your claim will be evaluated using the Entitlement Criteria.
The Benefit Benefit Type – Comprehensive
Benefit Amount – increments of $10,000, to a maximum of $300,000 (minimum benefit of $10,000)
Non-Evidence Limit – All amounts are subject to Evidence of Insurability. However, for Active Members, evidence of insurability will be waived for an amount which is $50,000 or less. For Retired Members, evidence of insurability will be waived for an amount which is $20,000 or less.
Termination Age – your benefit amount reduces by 50% at your age 65, to a maximum of $50,000 for Active Members, $20,000 for Retired Members (minimum benefit of $10,000), and terminates at the earlier of age 75, or your Critical Illness benefit is paid out in each of the 4 Multiple Event Coverage Groups. The reduced maximum cannot be increased at a later date.
Entitlement Criteria
Manulife Financial will apply the following criteria in determining your entitlement to Critical Illness Benefits:
- Manulife Financial receives medical evidence documenting your diagnosis of a covered Critical Illness condition;
- the diagnosis of any Critical Illness is made by a physician, practicing medicine in Canada in a specialty relating to the applicable Critical Illness. At any time, Manulife Financial may require you to submit to a medical examination or evaluation by an examiner selected by Manulife Financial.
Critical Illness Covered Conditions
Further detail on these conditions are available here.
Submitting a Claim
To submit a Critical Illness Insurance claim, the person must have survived their illness for 30 days or more past the date they were first diagnosed.
For all Critical Illness coverage, Manulife Financial needs to receive your completed claim form within 90 days of the date of diagnosis of the Critical Illness. You can obtain a claim form from the benefit administration team. The form shows all of the necessary documents you need to submit to support your claim.
For more information on the basic or optional critical illness insurance plans, please read the pamphlet by clicking here or contact Johnson Inc. at 1-888-851-5500. |