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Additional Benefit Package # 1:
In Situ Cancer (25%)
Severe Burns (100%)
Paralysis (100%)
Coronary Artery Bypass (25%)
Coma (100%)
Additional Benefit Package # 2:
Loss of Sight (100%)
Loss of Hearing (100%)
Loss of Speech (100%)
Additional Benefit # 3:
Health Screening Benefit ($50)
Subject to state availability.
Group CriticalCare
COVERAGE SPECIFICATIONS
Benefit plan(s) • Abacus Series
Benefit description • First diagnosis benefit:
Provides a lump-sum payment upon the first diagnosis of a covered critical illness subject to the benefit reduction at age 60 • Additional diagnosis
Additional benefit upon the diagnosis of a subsequent critical illness condition, for which benefits have not been previously paid, subject to the benefit reduction at 70. There is no time period that must separate the two critical illness conditions. The additional occurrence is payable for the partial benefits of in situ cancer, coronary artery bypass and coma
• Recurrence
If benefits have been paid for a covered condition and
subsequently, the insured experiences a reoccurrence of the same condition, the benefit will be paid again. The subsequent
diagnosis must occur more than 12 months following the initial diagnosis, subject to the benefit reduction at 70. Recurrence benefit is not payable for the following illness: in situ cancer, organ transplant, coma, coronary artery bypass and loss of sight, speech and hearing. This applies to invasive cancer, stroke, renal failure and heart attack
Employee benefit amount • $5,000 to $50,000
Dependent spouse benefit amount • $5,000 to $50,000
(employee must apply).
Dependent child benefit amount • 25% of the employee amount (employee must apply); No
additional cost
Issue ages • Employee and spouse: 18 to 69
• Dependent child: under 19; to 23 if full-time student. Number of hours worked • Actively at work at least 20 hours per week as defined by the
employer
Group eligibility • 10 enrolled employees
Guarantee issue (GI) and participation Employer Paid: $5,000 GI with 100% participation
Employee Paid Buy-up: $5,000 GI with no participation required
Voluntary Employee Paid:
• 10-19 Lives - $5,000 GI with 50% participation • 20-49 Lives - $10,000 GI with 40% participation • 50-74 Lives - $15,000 GI with 30% particiption • 75+ Lives - $20,000 GI with 25% participation Continuation of coverage when employment terminates • Continuation privilege available
• Continuation ceases at age 70, upon nonpayment of premium or when group policy terminates, and if not in an eligible class
Waiting period • 30 days from the effective date of coverage
Pre-existing condition • 12/12, State variations may apply
Benefit reduction • At age 70, benefit reduces to 50 percent of the original face
amount.
Rate guarantee • Two years
(Employer-Funded Base Plan)
Guarantee Issue: $5,000
WEEKLY RATES
Uni-Smoker - Primary Insured
Issue Age
5,000
18-24
0.38
25-29
0.63
30-34
1.00
35-39
1.69
40-44
3.09
45-49
3.32
50-54
4.83
55-59
6.90
60-64
7.88
65-69
7.88
or
Guarantee Issue: $5,000
WEEKLY RATES
Primary Insured:
$2.25 for $5,000 benefit
Primary Insured and Spouse:
$4.50 for $5,000 benefit
(Voluntary Buy-up to Base Plan)
Guarantee Issue: $5,000
WEEKLY RATES
NO PARTICIPATION REQUIREMENT
Primary Insured:
$3.15 for $5,000 benefit
Primary Insured and Spouse:
$6.30 for $5,000 benefit
Group CriticalCare
Composite Rate - No Census Required
Voluntary (Employee-Paid)
Uni-Smoker - Primary Insured and Spouse
Issue Age
5,000
10,000
15,000
20,000
25,000
30,000
35,000
40,000
45,000 50,000
18-24
0.85
1.23
1.61
1.97
2.34
2.71
3.08
4.98
3.82
4.19
25-29
1.41
2.05
2.67
3.28
3.89
4.51
5.12
8.28
6.35
6.96
30-34
2.21
3.58
4.86
6.15
7.44
8.73
10.01
14.50
12.59
13.88
35-39
3.75
6.06
8.24
10.42
12.60
14.78
16.96
24.56
21.32
23.50
40-44
5.62
9.08
12.36
15.63
18.90
22.17
25.44
36.84
31.98
35.25
45-49
7.38
12.71
17.76
22.79
27.82
32.87
37.90
51.74
47.98
53.03
50-54
10.73
19.09
26.97
34.85
42.71
50.59
58.47
75.04
74.23
82.09
55-59
15.33
27.27
38.53
49.79
61.01
72.27
83.53
107.21
106.04
117.27
60-69
17.52
30.94
43.60
56.28
68.94
81.62
94.30
90.02
119.64
132.30
• Benefit Amounts: $5,000 to $50,000 in $5,000 increments. Dependent coverage is 25% of employee amount.
• Participation: 10 enrolled
• Guarantee Issue: Based on Participation
10 - 19 Lives: $5,000 with 50% Participation
20 - 49 Lives: $10,000 with 40% Participation
50 - 74 Lives: $15,000 with 30% Participation
75+ Lives: $20,000 with 25% Participation
Uni-Smoker - Primary Insured
Policy issued by:
American General Life Insurance Company of Delaware
Wilmington, DelawarePolicy Form Number GCI50001
www.americangeneral.com/employeebenefits
American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including American General Life Insurance Company of Delaware.
American General Life Companies insurers offer a broad spectrum of life insurance, fixed annuities, accident and health products and worksite benefits to serve the financial and estate planning needs of customers throughout the United States.
The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company of Delaware are its responsibility. American General Life Insurance Company of Delaware does not solicit business in the state of New York. Policies are not available in all states.
This is a summary only of products and services offered. Actual offerings may vary by group size and are subject to state insurance law, and the benefits/provisions as described may vary due to such law. All products are subject to the terms, conditions, limitations and exclusions of the policy. Please see policy and certificate for details.
©2011. All rights reserved. 06675006-1524FILL R02/11
payable in connection with a
pre-existing condition during the initial
12 consecutive months the insured
person has been enrolled for
coverage under this policy. A critical
illness resulting from a pre-existing
condition commencing thereafter
will be covered unless otherwise
excluded from the policy.
A pre-existing condition generally
means an injury or sickness for
which you incurred charges, received
medical treatment, consultation,
care or services, including diagnostic
measures, took prescribed drugs
or medicines, or had symptoms for
which an ordinarily prudent person
would have consulted a physician
during the 12 months immediately
preceding the coverage effective date
under this policy.
or resulting in whole or part from
the following:
N
The insured person’s suicide, or
intentional self-inflicted injury or
sickness, while sane or insane.
N
The insured person’s being under
the influence of an excitant,
depressant, hallucinogen, narcotic,
other drug; or intoxicant including
those taken as prescribed by
a physician.
N
The insured person’s commission
of or attempt to commit an assault
or felony.
N
The insured person’s engaging in
an illegal activity or occupation.
N
The insured person’s voluntary
participation in a riot.
N
Any illness, loss or condition
specifically excluded from the
definition of any critical illness.
arterial procedure.
N
