2022-2025 Critical Illness Insurance Overview

Back for this plan year, Dow Aero, LLC (“Company”) is offering a critical insurance plan to provide supplemental health coverage for eligible expenses incurred by employees and their qualifying family members. The plan does not require a medical election, but understand this offering does not replace traditional medical insurance.

Coverage

  • Heart Attack
    100%

    Stroke
    100%

    Major Organ Failure
    100%

    End-Stage Kidney Disease
    100%

    Coronary Artery Bypass Graft
    25%

    Angioplasty
    5%

  • Invasive
    100%

    Non-Invasive
    25%

    Skin
    5%

  • Complete Blindness
    100%

    Complete Loss of Hearing or Speech
    100%

    Severe Burns
    100%

    Paralysis
    100%

    Advanced ALS/Lou Gehrig’s Disease
    100%

    Benign Brain Tumor
    100%

    Coma
    100%

    Advanced Parkinson’s Disease
    25%

    Advanced Alzheimer’s Disease
    25%

  • Down Syndrome
    100%

    Cystic Fibrosis
    100%

    Type 1 Diabetes Mellitus
    100%

    Complex Congenital Heart Disease
    100%

    Cerebral Palsy
    100%

    Cleft Lip/Palate
    100%

    Muscular Dystrophy
    100%

    Spina Bifida
    100%

  • $50 for covered person per year
    Requires proof of an eligible health screening be submitted to provider

Premiums

  • Non-Tobacco
    $1.34 - 20 Year Old
    $1.90 - 30 Year Old
    $3.60 - 40 Year Old
    $7.38 - 50 Year Old
    $14.06 - 60 Year Old
    $25.36 - 70 Year Old

    Tobacco
    $1.40 - 20 Year Old
    $2.16 - 30 Year Old
    $5.20 - 40 Year Old
    $12.96 - 50 Year Old
    $28.02 - 60 Year Old
    $50.16 - 70 Year Old

  • Non-Tobacco
    $2.68 - 20 Year Old
    $3.78 - 30 Year Old
    $7.20 - 40 Year Old
    $14.76 - 50 Year Old
    $28.10 - 60 Year Old
    $50.72 - 70 Year Old

    Tobacco
    $2.82 - 20 Year Old
    $4.34 - 30 Year Old
    $10.38 - 40 Year Old
    $25.94 - 50 Year Old
    $56.04 - 60 Year Old
    $100.34 - 70 Year Old

  • Non-Tobacco
    $4.02 - 20 Year Old
    $5.68 - 30 Year Old
    $10.80 - 40 Year Old
    $22.16 - 50 Year Old
    $42.16 - 60 Year Old
    $76.08 - 70 Year Old

    Tobacco
    $4.22 - 20 Year Old
    $6.50 - 30 Year Old
    $15.58 - 40 Year Old
    $38.90 - 50 Year Old
    $84.04 - 60 Year Old
    $150.50 - 70 Year Old

  • Non-Tobacco
    $5.36 - 20 Year Old
    $7.56 - 30 Year Old
    $14.40 - 40 Year Old
    $29.54 - 50 Year Old
    $56.22 - 60 Year Old
    $101.44 - 70 Year Old

    Tobacco
    $5.64 - 20 Year Old
    $8.68 - 30 Year Old
    $20.76 - 40 Year Old
    $51.88 - 50 Year Old
    $112.06 - 60 Year Old
    $200.68 - 70 Year Old

  • $2,500
    $0.70

    $5,000
    $1.38

    $7,500
    2.08

    $10,000
    $2.76

Plan and premiums only valid for 2022-2025.

Non-Tobacco Attestation

Employees and/or their partners that attest to non-tobacco use upon enrolling, or when making a change to active coverage, shall receive a discount on their critical illness plan premiums. See detailed non-tobacco and tobacco rates above for differences.

A falsified or inaccurate attestation carries a possible consequence of a criminal misdemeanor for insurance fraud and can result in the loss of coverage(s), necessitate repayment of premiums or services, and include further disciplinary action from the Company, up to termination of employment.

Member Account

Critical illness plan subscribers can optionally create and login to a member account that includes online access for:

  • Auditing detailed claims history.

A mobile app is also available for iOS and Android devices.

Tobacco Cessation

With regards to the critical illness plan available from the Company, it really does pay for employees to avoid or quit tobacco products.

1-800-QUIT-NOW

For individuals wanting to take control and end their tobacco use, free assistance is available from The Oklahoma Tobacco Helpline. All employees and their family members living in the State of Oklahoma are eligible for this service, even if not enrolled into the critical illness plan. To begin your path to ending tobacco:

This program may include free starter packs for nicotine-replacement patches, gum, and/or lozenges to registered participants.

Coverage Termination

Critical Illness insurance coverage ends on the final day of the month following a termination event. Deductions shall not be suspended on an employee’s final qualifying payroll. These plans are not eligible for COBRA temporary continuation of coverage.

Provider Contact Information

Critical Illness | Sun Life
1.800.247.6875 | Customer Service
sunlife.com | Web

Plan Details

Plan Name - Critical Illness Insurance
Plan Provider - Sun Life
Policy Number - 943619

Plan Documents

Critical Illness Plan Summary >

Critical Illness Health Navigator Help Line

* It is highly recommended that you carefully review any appropriate plan documents prior to enrollment.

Disclaimer

Content provided above is maintained by the Company’s Human Resources (“HR”) department, in collaboration with knowledgeable third-parties. The Company takes reasonable efforts in ensuring details about the plan(s) above are accurate. However, the plan document shall govern in the event an inconsistency is discovered between this resource, or any other oral or written description of benefits, and a formal plan document; please notify the Company’s HR department immediately should a potential error be identified.

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