Group Critical Illness Group critical illness insurance, offered through Unum, helps offset the financial impact of a catastrophic illness by paying a lump sum benefit when you, or a covered family member, is diagnosed with a covered illness. The benefit is based on the amount of coverage and the diagnosis. Rates are shown on the enrollment website. Coverage Options Employee coverage: $5,000 to $50,000 in increments of $5,000 Spouse/registered domestic partner age 17+ coverage: $5,000 to $30,000 in increments of $5,000 Children to age 26: 50% of employee coverage at no additional premium You choose how to use the benefit amount. No health questions are required. FINANCIAL WELLNESS Quick Facts ELIGIBILITY • F ull-time and part-time benefit-eligible employees are eligible on date of hire or when approved by carrier OPTION • G roup Critical Illness COVERAGE TIERS • Employee/Child(ren) • Spouse /registered domestic partner ENROLLMENT/CHANGES • Y ou may enroll through Benefit Communications, Inc. (BCI) online at www.electbenefits.com/scripps • Y ou may make coverage changes by calling Unum at 800-635-5597 RESOURCES • Benefit Communications, Inc. (BCI) – 888-659-2573: for questions about coverage or assistance accessing the enrollment website • Unum – 800-635-5597: for coverage questions or to submit a claim Note: Scripps is not a plan sponsor or fiduciary for group critical illness insurance, and it is not covered under ERISA. Scripps does not endorse, recommend, or guarantee this coverage or the accuracy of any of the statements made in the carrier’s printed materials or website. How It Works A lump sum benefit will be paid directly to you upon diagnosis of any of the following specified critical illnesses: • Heart attack • Blindness • Major organ failure • End-stage kidney failure • Benign brain tumor • Coronary artery bypass surgery (25% of coverage amount) • Coma that lasts at least 14 consecutive days • Stroke whose effects are confirmed at least 30 days after the event • Permanent paralysis of at least two limbs due to a covered accident • Cancer • Carcinoma in situ, which is cancer that involves only cells in the tissue in which it began and has not spread (25% of coverage amount) Children are covered for all the same illnesses, plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome, and spina bifida. The diagnosis must occur after the child’s coverage effective date. Important Note If you leave Scripps, you may be eligible to continue your policy through direct bill, provided you contact Unum within 31 days of termination of employment. Underwritten by Unum Life Insurance Company of America, Portland, Maine. The policy has exclusions or limitations which may affect any benefits payable. See the actual policy for specific provisions and details of availability. 55
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