Critical Illness Insurance Voya EMPLOYEE BENEFITS

About Critical Illness

Critical illness insurance can be used towards medical or other expenses. It provides a lump sum benefit payable directly to the insured upon diagnosis of a covered condition or event, like a heart attack or stroke. The money can also be used for non-medical costs related to the illness, including transportation, child care, etc.

For full plan details, please visit your benefit website: www.mybenefitshub.com/shallowaterisd

What is Critical Insurance?

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered illness or condition on or after your effective date of coverage. You have the option to elect Critical Illness insurance to meet your needs. Critical Illness insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirements of minimum essential coverage under the Affordable Care Act.

Who is eligible for Critical Illness Insurance?

Active employees working at least 15 hours per week, your spouse, and your child(ren) to age 26.

Other features of Critical Illness Insurance include:

Guaranteed issue: No medical questions or tests are required for coverage.

Flexible: You can use the benefit payments for any purpose you like.

Payroll deductions: Premiums are paid through convenient payroll deductions.

Portable: If you leave your current employer, you can take your coverage with you.

For what critical illnesses and conditions are benefits available?

Critical Illness Insurance provides a benefit for the following illnesses and conditions. Covered illnesses/conditions are broken out into groups called “modules”. Benefits are paid at 100% of the Maximum Critical Illness Benefit amount unless otherwise stated.

• Heart attach

• Stroke

• Coronary artery bypass (25%)

• Coma

• Major organ failure

• Permanent paralysis

• End stage renal (kidney) failure

For a complete description of your benefits, along with applicable provisions, conditions on benefit determination, exclusions and limitations, see your certificate of insurance and any riders.

How can Critical Illness Insurance help?

Below are a few examples of how your Critical Illness Insurance benefit could be used (coverage amounts may vary):

• Medical expenses, such as deductibles and copays

• Child-care

How to File a Claim:

www.voya.com

1. Click contact and services

• Home healthcare costs

• Mortgage payment/rent and home maintenance

2. Select Claims and then “start a claim”

3. Complete the questionnaire so that a custom claim form package can be generated for you.

4. Download your claim forms.

5. Fill out each form by the appropriate party.

6. Father additional supporting documents.

7. Submit your completed and signed forms and supporting documents.

8. Upload at www.voya.com

9. Click on the contact and services

10. Select “Upload a form”

Mail and or Fax information provided on the top of your claim form package.

For questions regarding the claims process, please call (888) 238-4840