Critical Illness Important Information

Important information about the full-time critical illness plan:

  • Other benefits include:
    • Recurrence benefit (100% of original benefit amount for heart attack, stroke, coronary artery bypass surgery, invasive cancer, and carcinoma in situ)
    • Wellness screenings ($75 per year)
    • Waiver of premium (for disability)
    • National Cancer Institute evaluation ($500 for evaluation; $250 for transportation and lodging)
    • In addition to receiving a $500 benefit for being evaluated at a National Cancer Institute, you are now eligible to receive the same benefit for having a consultation or evaluation at any Lowe’s Center of Excellence for hip or knee replacement as well as cardiac and spinal surgeries.
    • Transportation benefit ($0.50 per mile, maximum of $1,500)
    • Lodging benefit ($60 per day – limited to 60 days per year)
    • Major organ transplant rider (100% of benefit)
    • Post-Traumatic Stress Disorder (PTSD) benefit (pays $100 per day up to six days for member receiving counseling for PTSD)
  • You will receive a certificate of coverage which will contain complete information on the benefits payable under this plan.
  • The plan does not pay benefits for any critical illness due to or resulting from (directly or indirectly):
    • Any act of war, whether or not declared, participation in a riot, insurrection or rebellion
    • Intentionally self-inflicted injuries
    • Engaging in an illegal occupation or committing or attempting to commit a felony
    • Attempted suicide, while sane or insane
    • Being under the influence of narcotics or any other controlled chemical substance unless administered upon the advice of a physician
    • Participation in any form of aeronautics except as a fare-paying passenger in a licensed aircraft provided by a common carrier and operating between definitely established airports
    • Alcohol abuse or alcoholism, drug addiction or dependence upon any controlled substance
  • Deductions for critical illness coverage are made on an after-tax basis every payday. If the deduction isn’t made because you don’t work enough hours, the cost of the coverage will be deducted from your next available paycheck unless you live in CA, CT, DE, MN, NV, or VA. If you live in one of these states or you are on an approved leave of absence, you will be billed at your home address on file. In addition, if you live in one of these states and your coverage was terminated for non-payment, you will be required to pay unpaid premiums before you re-enroll in the plan.