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Critical LifeEvents
A Voluntary Benefit offered through Trustmark Solutions
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You have responsibilities – to yourself and to your family. If you get sick you need to rely on others for help, and your family still needs attention. If a family member gets sick, you attend to their needs but the demands of life still go on. Trustmark talked to patients and to those giving care when developing the new Critical LifeEvents insurance. This coverage is designed to focus on critical illness the way it is experienced by those closest to it.
Resources
You can purchase Critical LifeEvents Insurance for yourself and/or your dependents. This coverage will pay a lump sum benefit for certain critical illnesses when the illness at early or later diagnosis.
- A replenishing annual benefit helps you deal with a new or recurring covered condition.
- There is no lifetime maximum on the number of payouts
- Events that trigger a benefit are simple and easy to understand.
How the Benefit is Paid
| 10% Benefit | 50% Benefit | 100% Benefit | |
| Cancer | • Invasive basal/squamous cell skin cancer • In situ cancer • Benign brain, spinal cord and cranial nerve tumors • Myelodysplastic syndrome |
• Stage 1 melanoma • Stage 1 or 2 cancers, no lymph node involvement |
• Stage 3 or higher • Stage 2 involving lymph nodes • Melanoma stage 2 or higher • Stage 1 or higher: pancreas, • Esophagus, leukemia, lung, • Liver, biliary tract, head and neck, lymphoma, multiple myeloma |
| Coronary artery disease | • Initial diagnosis after assessment and recommended treatment | • Coronary artery obstruction • Heart attack when clinically diagnosed |
• Heart attack |
| Cerebral vascular disease “ministroke” | • Transient Ischemic Attack (TIA) including Reversible Ischemic Neurologic Deficit (RIND) | • Stroke with less than 30 days impairment • Stroke when clinically diagnosed |
• Stroke with at least 30 days impairment |
A 30-day waiting period may apply before benefits are payable.
A complete list of covered injuries and payments can be found at Critical LifeEvents Overview and in your policy/group certificate.
Rates vary by amount of benefit, age, tobacco use and coverage level. The chart below lists sample rates for employee only at various benefit levels and tobacco or non-tobacco use. Visit Critical LifeEvents Rates for more sample rates and plan information.
SAMPLE Bi-Weekly Rates (26 Deductions per year)
Plan Form CII 214 is underwritten by Trustmark Insurance Company, Lake Forest, Illinois.
Employee Only Non-Tobacco Rates
| Issue Age | $10,000 | $20,000 | $30,000 |
| 18-30 | $4.90 | $6.70 | $8.52 |
| 31-35 | $6.26 | $9.44 | $12.62 |
| 36-40 | $7.34 | $11.62 | $15.88 |
| 41-45 | $8.72 | $14.36 | $20.02 |
| 46-50 | $10.46 | $17.86 | $25.24 |
| 51-55 | $12.44 | $21.80 | $31.14 |
| 56-60 | $14.96 | $26.84 | $38.74 |
| 61-65 | $17.92 | $32.78 | $47.62 |
| 66-70 | $21.48 | $39.90 | $58.32 |
| 71-75 | $26.50 | $49.94 | $73.36 |
| 76+ | $30.96 | $58.86 | $86.74 |
Employee Only Tobacco Rates
| Issue Age | $10,000 | $20,000 | $30,000 |
| 18-30 | $6.94 | $10.82 | $14.68 |
| 31-35 | $11.68 | $20.30 | $28.90 |
| 36-40 | $14.94 | $26.82 | $38.68 |
| 41-45 | $18.84 | $34.60 | $50.36 |
| 46-50 | $23.70 | $44.32 | $64.96 |
| 51-55 | $29.12 | $55.18 | $81.24 |
| 56-60 | $37.18 | $71.30 | $105.40 |
| 61-65 | $46.50 | $89.92 | $133.32 |
| 66-70 | $58.42 | $113.78 | $169.12 |
| 71-75 | $69.68 | $136.28 | $202.88 |
| 76+ | $83.74 | $164.40 | $245.06 |