Team Georgia Connection

Specified Illness Plan

With the group specified illness plan, the goal is to help you and your family cope with and recover from the financial stress of surviving a critical illness or condition.

PLAN PROVISIONS
You may choose employee coverage levels at:

• $  5,000   No Medical Underwriting required
• $10,000   No Medical Underwriting required
• $20,000   No Medical Underwriting required  (NEW! for 2010)
• $30,000   Medical Underwriting required
• $40,000   Medical Underwriting required
• $50,000   Medical Underwriting required
• Lump-sum benefits paid directly to the insured following the diagnosis of each covered specified illness after you are hospital confined for the specified illness and charged for room and board. (See chart below for information on covered specified illnesses.)
• Rates cannot be individually increased due to change in age, health or individual claim.
• Simplified underwriting-answer only a few health questions.
• The plan is portable* - take your coverage with you if you leave your job.
• Available to employees age 18-69.
• Benefits for participants reduced 50% at age 70.

Spouse coverage levels:

• $5,000 benefit - No Medical Underwriting required for 2010 Plan Year
• NEW! $10,000 benefit - No Medical Underwriting required for 2010 Plan Year
• Same plan design as employee
• Employee must have coverage for the spouse to have coverage
• Rates are based on employee age

Child Coverage levels:

• All children are covered at 25% of employee benefit amount

FIRST OCCURRENCE BENEFITS
After receipt of written proof of loss, an insured may receive up to 100% of the benefit selected upon the first diagnosis of each covered critical illness.

ADDITIONAL OCCURRENCE BENEFITS
If an insured collects full benefits for a Critical Illness under the plan and later has one of the remaining covered illnesses, then we will pay the full benefit amount for any additional illness. Occurrences must be separated by at least 6 months.

RE-OCCURRENCE BENEFITS
If an insured receives full benefit for a covered condition and is later diagnosed with the same condition, we will pay the full benefit again. The two dates of diagnosis must be separated by at least 12 months or 12 months treatment free for Internal Cancer.

HEALTH SCREENING BENEFITS
An insured may receive a maximum of $100 for any one covered screening test per calendar year. We will pay this benefit regardless of the results of the test. Payment of this benefit will not reduce the amount payable for the diagnosis of a critical illness. There is no limit to the number of years the insured can receive the health screening benefit; it will be paid as long as the policy remains in force. This benefit is payable for the covered employee. The covered health screening tests include:

• Stress test on a bicycle or treadmill
• Fasting blood glucose test, blood test for triglycerides or serum cholesterol test to determine level of HDL and LDL
• Bone marrow testing
• Breast ultrasound
• CA 15-3 (blood test for breast cancer)
• CA 125 (blood test for ovarian cancer)
• CEA (blood test for colon cancer)
• Chest x-ray
• Colonoscopy
• Flexible sigmoidoscopy
• Hemocult stool analysis
• Mammography
• Pap smear
• PSA (blood test for prostate cancer)
• Serum protein electrophoresis (blood test for myeloma)
• Thermography

Specified Illness Medical Underwriting Chart
This chart will assist you in determining medical underwriting requirements for Specified Illness Insurance.