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icon_indicator.gif (76 bytes) Cancer and Critical Illness
Cancer Insurance
Critical Illness Insurance

Why Cancer and Critical Illness Insurance?
Cancer and Critical Illness

You don’t plan to be diagnosed with cancer or a critical illness. What would you do if this happened? Both Colonial’s cancer and critical illness plans are designed to supplement your major medical coverage to help you with the high cost of cancer and critical illness treatment.

With cancer or critical illness insurance from Colonial, you can take the next step 		after diagnosis with comfort and reassurance. Benefits from a Colonial cancer or critical illness 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

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Cancer Insurance
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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.

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Would you like to receive additional information about Colonial’s Critical Illness plan?
 
 

 

Critical Illness Insurance
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Critical Illness Insurance offers you supplemental benefits if you are diagnosed with the one of the following specified critical illnesses.
  • Cancer (optional benefit)
  • Heart Attack (myocardial infarction)
  • Stroke
  • Major Organ Transplant
  • End Stage Renal Failure
  • Coronary Artery Bypass Surgery
  • Carcinoma In Situ
Critical Illness Insurance will pay a percentage of the policy face amount upon diagnosis of a covered critical illness. These benefits can be used to
help pay the out-of-pocket expenses related to the treatment of a critical illness. 		Critical Illness Insurance

Colonial’s Critical Illness Insurance offers flexible coverage amounts. Plus, benefits are paid directly to you unless you specify otherwise. Critical Illness benefits are paid regardless of any other insurance you may have with other insurance companies.

Similar to the Colonial Cancer Insurance plan, you don’t have to be diagnosed with an illness in order to receive a specified health screening benefit. An annual preventive health screening benefit will be paid to you if you have one of the covered health screening tests.
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© 2008 Colonial Life & Accident Insurance Company Important Legal Notice
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Colonial Life & Accident Insurance Company is a subsidiary of Unum Group
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"Colonial Life," the logo and "making benefits count," separately and in combination, are registered service marks of Colonial Life & Accident Insurance Company. All rights reserved.

Colonial Life 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 Life 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.

Critical Illness Insurance
Do you know someone who has had a stroke, major organ transplant, heart

attack (myocardial infarction) or other critical illness? More and more people are diagnosed or at risk for critical illness. As with cancer, a critical illness can be physically, emotionally and financially draining on you and your family.
  • More than 375,000 Americans are being treated for End Stage Renal Disease (ESRD).

Source: End Stage Renal Disease in the United States, National Kidney Foundation, as quoted at www.kidney.org on 3/18/05.

  • The number of patients waiting for a transplant in the U.S. was 87,754 in March, 2005.

Source: United Network for Organ Sharing, Organ Donation and Transplantation, March 18, 2005.

A Critical Illness or cancer plan from Colonial can help you prepare for the expenses related to cancer or specified critical illness 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.

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. If you are in Virginia, please read this important information
(*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. If you are in Virginia, please read this important information
(*Acrobat Reader required. Download Here)