|
|
Professional Associations
|
|
Group insurance that works for professional associations, unions and affinity groups
CIGNA products can help professional associations, unions and affinity groups attract new members and retain current members by offering strong benefit programs. Each plan is competitively priced, flexibly packaged and supported by CIGNA marketing expertise. Innovative plan designs and excellent claim service add value to these insurance products. Products include:
- Long-Term Disability (LTD)
- Term Life Insurance
- Cancer Coverage (Indemnity and First Diagnosis)
- Hospital Indemnity
- Accidental Death & Dismemberment
Next (Long-Term Disability) >
Highlights and Features
CIGNA Disability insurance product features:
- benefit amounts: $100 to $3,000 per month or higher, but not to exceed 60% of eligible earnings
- benefit durations: two or five years
- elimination periods: range from 90 to 180 days
- integration of benefits with Social Security, Workers' Compensation, etc.
- definition of disability
- "own occupation" for first two years
- "any occupation" in subsequent years
- benefits:
- alcoholism and drug addiction (2-year limitation)
- maternity
- mental and nervous disorders (2-year limitation)
- rehabilitation services
- residual disability
- survivor
- other optional riders are available
Next (Term Life) >
Term Life
CIGNA Term Life insurance product features:
- sponsor-paid and member-paid plan choices available
- high benefit amounts available with special underwriting; simplified application for amounts under $100,000
- family coverage
- 5-year age-banded rates
- benefit options:
- accelerated benefit for terminal illness
- accidental death and dismemberment
- escalator (inflation) benefit
- involuntary unemployment waiver of premium
- disability waiver of premium
- Nursing Care and Custodial Care Benefits
- Specified Disease Benefits
CIGNA's Life Assistance ProgramSM features:
- Access to work/life resources including, legal, financial and behavioral counseling
- Healthy Rewards® discount program for wellness products and services
Next (Cancer Coverage) >
Cancer Coverage
CIGNA Group Insurance offers both first-diagnosis cancer coverage and indemnity cancer coverage. Both programs offer family coverage, and simplified underwriting and attained-age rates.
First-diagnosis cancer coverage provides:
- a benefit of $10,000 or $25,000 (sponsor choice) when the insured is first diagnosed with any form of cancer except skin cancer; children's benefit is $2,500
- optional wellness benefits from $25 up to $150 for membership in a health spa/fitness center or employer-sponsored wellness program, participation in a smoking-cessation program or screening and testing to detect cancer
- there are no age limits for eligibility or termination
Indemnity cancer coverage provides:
- benefits for inpatient and outpatient treatment for cancer
- choice of waiting periods available
- core benefits:
- inpatient hospital confinements (various per day amounts available)
- intensive-care benefit
- optional benefits, including
- ambulance,
- anesthesia,
- attending-physician services,
blood and blood plasma,
- chemotherapy,
- counseling, family lodging,
- first diagnosis,
- heart disease/stroke rider,
- home health care,
- hospice care,
- inpatient drugs,
- nurse at home or hospital,
- outpatient cancer screening and drugs,
- prosthetics,
- second opinion,
- skilled-nursing-facility confinement,
- surgery,
- survivor,
- transportation, and
- x-ray, radium, cobalt, hypothermia and inhalation therapies
Next (Hospital Indemnity) >
Hospital Indemnity
Hospital indemnity provides:
- competitive daily benefits (up to $500 per day, subject to state regulations)
- competitive rates (attained-age rated)
- family coverage available
- guaranteed issue, subject to pre-existing conditions
- benefit options, including:
- emergency-room care
- at-home nursing care
- cancer coverage
- increased accident (if confined)
- intensive-care/cardiac-care unit
- maternity
- mental and nervous diseases/disorders
- outpatient surgical
- post-hospital convalescence
- skilled nursing facility
- surgical schedule
- survivor
Next (Accidental Death) >
Accidental Death & Dismemberment
Accidental death and dismemberment insurance provides:
- high benefit amounts
- family coverage
- guaranteed-issue
- benefit options, including
- accidental paralysis
- additional occupational coverage
- ambulance benefit
- armed forces coverage
- child care center
- child survivor
- common-accident
- common-carrier
- escalator (inflation) benefit
- felonious assault
- hospital confinement due to accident
- increased benefit for dependent child
- loss of speech and hearing
- loss of use of limb or sight
- National Reserve/Guard coverage
- permanent and total disability for the member
- private passenger
- rehabilitation
- scheduled air, seatbelt and airbag benefit
- special education, spouse occupational or educational retraining
- stand-alone travel accident
Permanent and total disability provides:
- sponsor-paid coverage for members ages 18 to 69, renewable to age 74
- pays a monthly benefit of at least $100 if the member is injured in an accident and is totally disabled for 12 consecutive months and then is permanently disabled
Benefit begins on the 13th month and is payable for up to 100 months.
Next (Meeting needs) >
|
