THE COLONIAL ADVANTAGECONTACT USINFORMACION EN ESPANOLHELP
SUPPLEMENTAL BENEFITS
WHO WE ARE
SERVICE FORMS
HOW TO APPLY
University of Kentucky Federal Credit Union  


Colonial Portfolio Overview
Accident
Life
Medical Bridge(SM)
icon_indicator.gif (76 bytes) Cancer
Cancer Insurance
Why Cancer Insurance?
Cancer and Critical Illness

You don’t plan to be diagnosed with cancer. What would you do if this happened? Colonial’s cancer plan is designed to supplement your major medical coverage to help you with the high cost of cancer treatment.

With cancer insurance from Colonial, you can take the next step 		after diagnosis with comfort and reassurance. Benefits from a Colonial cancer plan will help you pay the following types of out-of-pocket expenses:
  • Home health care or caregivers you may require
  • Home or automobile modifications
  • Mortgage, utility bills and other everyday living expenses
  • Travel costs to and from treatment centers

Cancer Insurance
Cancer rates in the United States continue to increase. However, more

BOTTOM

 
Cancer Insurance
clear_dot.gif (43 bytes)
Colonial’s Cancer Insurance provides supplemental benefits for you to use where they are needed most.
  • This plan pays a cancer screening benefit for certain screening tests.
  • Upon diagnosis of cancer, this plan provides benefits for procedures and treatments you may require to care for your cancer.
This cancer plan pays specific benefits for cancer diagnosis and treatment.


Accident Insurance

Wellness Benefit
Payable for one of the specified cancer screening tests performed.

Bone Marrow Donor Benefit
Payable if you donate your bone marrow to another person who has been identified as a match to your bone marrow type.

TOP

© 2005 Colonial Life and Accident Insurance Company
This website is intended for use by University of Kentucky Federal Credit Union members only.
This site was created to accommodate Netscape navigator 4.7 or higher or Microsoft Internet Explorer 5.0 or higher.
This site is best viewed at a screen resolution of 800x600.
Adobe Acrobat Reader required for selected content.
 Important Legal Notice
Privacy Policy
"Colonial Supplemental Insurance" and the logo, separately and in combination, and "for what happens next" are service marks of Colonial Life & Accident Insurance Company.

Colonial Supplemental Insurance products are underwritten by Colonial Life & Accident Insurance Company. Coverage has exclusions and limitations that may affect benefits payable. Coverage may vary by state and may not be available in all states. See your representative for complete details. Colonial Supplemental Insurance is the marketing brand of Colonial Life & Accident Insurance Company.
and more cancer patients are surviving due to improved treatment options. Many of these options are expensive and can be financially draining on a family, especially when you are already dealing with the emotional and physical toll of cancer.
  • About 8.9 million Americans alive today have survived some form of cancer.
  • Since 1990, 17 million new cancer cases have been diagnosed.

 
  • The National Institutes of Health estimates the overall costs for cancer in the year 2002 at $171.6 billion. Of these costs, an estimated 65 percent of the costs were for indirect, non-medical expenses.

Source: American Cancer Society, Cancer Facts & Figures, 2003.

A cancer plan from Colonial can help you prepare for the expenses related to cancer treatment.

The Importance of Early Detection
The good news is that regular screenings by a health care

professional are effective at early detection of many types of cancer including breast, colon, cervical and prostate cancer. Early detection helps increase the chance of survival. Likewise, if detected early, the treatment may not be as intense or costly.
  • The screening-accessible cancers listed above account for about half of all new cancer cases. Half the cancers can be detected early by having regular cancer screening tests.

Source: American Cancer Society, Cancer Facts & Figures, 2001

 Early detection is key. Numerous studies have shown that early detection saves lives and increases treatment options. Colonial’s cancer and critical illness plans both offer annual specified health screening or wellness benefits. You don’t have to be diagnosed with cancer in order to receive this benefit from your plan.


This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.
Inpatient Benefits
Payable for hospital-related services such as hospital confinement, ambulance, air ambulance and full-time nursing services.

Treatment Benefits
Payable for cancer treatments such as radiation and chemotherapy, antinausea medication and medical imaging.

Surgical Procedures Benefits
Payable for surgery performed to treat cancer including reconstructive surgery and anesthesia.

Transportation and Lodging Benefits
Payable if you must travel to receive cancer treatment.
Extended Care Benefits
Payable for extended care services such as home health care, hospice and skilled nursing care.

Benefits from Colonial’s Cancer Insurance plan are paid directly to you unless you specify otherwise. Coverage is available for you, your spouse and your dependent children. Several optional riders are available to supplement your cancer plan.

This coverage is portable. This means that you can take your cancer plan with you if you change jobs or retire. This
insurance is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force where the policy was issued.

Waiver of premium is included with this plan. If you are disabled due to cancer for 90 continuous days, you will not have to make your Colonial premium payments while you are disabled. This results in one less payment for you to worry about, so that you can focus on your treatment.

Optional riders are available at an additional cost.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

Applicable to policy form CANMOD and rider forms R-Cancombo, R-Progpay, R-Indx, R-DDC, R-Specdis, including state abbreviations where used.
(*Acrobat Reader required. Download Here)

This coverage is portable. This means that if you change jobs or retire, you can take your Critical Illness plan with you. Coverage is available for your spouse and this plan is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in the state where the policy was issued. Premiums are affordable and will not increase because you get older.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

Applicable to policy form CI(98)-WC and CI(2002)-WC, including state abbreviations where used.
(*Acrobat Reader required. Download Here)