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
-
Percentages are in reference to Principal Sum amount on the policy.
Heart Attack
100%Stroke
100%Major Organ Failure
100%End-Stage Kidney Disease
100%Coronary Artery Bypass Graft
25% -
Percentages are in reference to Principal Sum amount on the policy.
Invasive
100%Non-Invasive
25%Skin
$500, limited to 1 reoccurrence per Calendar year and limited to a total of 5 reoccurrences while insured under the policy. -
Percentages are in reference to Principal Sum amount on the policy.
Loss of Sight in Both Eyes
100%Complete Loss of Hearing or Speech
100%Paralysis
100%ALS/Lou Gehrig’s Disease
100%Benign Brain Tumor
100%Coma
100%Parkinson’s Disease
100%Alzheimer’s Disease
100% -
$50 for covered person per year
Requires proof of an eligible health screening be submitted to provider. Up to 6 per family per calendar year.
Premiums
-
$1.11 - Under 25 Year Old
$1.85 - 30 Year Old
$4.06 - 40 Year Old
$8.68 - 50 Year Old
$16.64 - 60 Year Old
$30.30 - 70 Year Old -
$2.22 - Under 25 Year Old
$3.69 - 30 Year Old
$8.12 - 40 Year Old
$17.35 - 50 Year Old
$33.28 - 60 Year Old
$60.60 - 70 Year Old -
$3.32 - Under 25 Year Old
$5.54 - 30 Year Old
$12.18 - 40 Year Old
$26.03 - 50 Year Old
$49.92 - 60 Year Old
$90.90 - 70 Year Old -
$4.43 - Under 25 Year Old
$7.38 - 30 Year Old
$16.25 - 40 Year Old
$34.71 - 50 Year Old
$66.55 - 60 Year Old
$121.20 - 70 Year Old -
Child dependent coverage is offered at no additional cost.
Plan and premiums only valid for 2026.
Member Account
Critical illness plan subscribers can optionally create and login to a member account that includes online access for:
Auditing detailed claims history.
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 | Mutual of Omaha
1.800.228.7104 | Customer Service
mutualofomaha.com | Web
Plan Details
Plan Name - Critical Illness Insurance
Plan Provider - Mutual of Omaha
Policy Number - G000CV8B
Plan Documents
Critical Illness Plan Summary >
* 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.