Worry less. Critical Illness insurance can help

Why do you need Critical Illness Coverage?

Imagine not having to worry about money if you get sick. Copayments. Car payments. Housing, utilities and food. If a serious illness strikes, the last thing you want to worry about is bills. With Lincoln Critical Illness Insurance, you can get a cash benefit even if you’re receiving benefits from other insurance. Use the cash for anything you want or need.

How does it work?

Use it how you need it: for treatments not covered by other insurance or a dream vacation to celebrate your recovery. You decide.

If you are diagnosed with a covered critical illness, our Lincoln CareCompassSM benefits and services can help you through treatment to your recovery. The Lincoln CareCompassSM program comes with your Lincoln Critical Illness coverage and includes:

  • Critical Illness Assessment Benefit - You can get a $50 benefit for you and each covered dependent to use each year when you’re healthy, to help you stay that way. Complete one of 24 covered critical illness assessment tests. Tests include electrocardiogram, mammogram, colonoscopy, chest x-ray, stress test, serum cholesterol, blood glucose and many more.

  • Child care expense benefit - A benefit of $25 a day per child for up to 30 days of child-care expenses if you are hospitalized due to a covered critical illness

  • Travel assistance services1 - Help arranging travel and lodging for out-of-town care, including concierge-type services such as finding a convenient market or laundry

  • Support services - Referrals to community resources and support groups, and access to phone counseling on coping with illness; emotional issues; personal finances, including debt management; legal concerns; referrals for child care; and follow-up care and monitoring
  • Personal health advocate services - You can use the services of the personal health advocate if you need help managing healthcare services for yourself or for a family member, such as your parents or parents-in-law. A professional to assist you by:
    • - Coordinating care among different providers
    • - Identifying needed specialists
    • - Scheduling appointments
    • - Finding clinical trials that could speed recovery
    • - Making the most of your health insurance benefits
    • - Negotiating fees

    1 Travel must be 100 or more miles from home


Non-Tobacco Bi-Weekly Premium for Employee*

Issue Age

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

17-30

$1.32

$2.61

$3.93

$5.22

$6.54

$7.83

31-40

$2.04

$4.04

$6.08

$8.08

$10.12

$12.12

41-50

$4.13

$8.25

$12.38

$16.50

$20.63

$24.75

51-60

$7.22

$14.40

$21.62

$28.80

$36.02

$43.20

61-70

$12.67

$25.30

$37.97

$50.60

$63.27

$75.90

*After initial enrollment, subsequent enrollments are limited to a $5,000 increase each year without Evidence of Insurability up to the plan maximum. This includes late entrants.

How do you file a claim?

Filing a claim is easy. Either go to www.Lincoln4Benefits.com and download a claim form or call toll free (877) 815-9256.

Non-Tobacco Bi-Weekly Premium for Spouse*

Issue Age

$5,000

$10,000

$15,000

17-30

$1.32

$2.61

$3.93

31-40

$2.04

$4.04

$6.08

41-50

$4.13

$8.25

$12.38

51-60

$7.22

$14.40

$21.62

61-70

$12.67

$25.30

$37.97

*Critical Illness rates are based on the applicants issue age and tobacco status.



Occupational HIV/Hepatitis B, C or D Category Bi-Weekly Premium for Employee

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

$0.07

$0.14

$0.21

$0.28

$0.35

$0.42

Bi-Weekly Premium for Spouse

$5,000

$10,000

$15,000

$0.07

$0.14

$0.21


 
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