Cancer Insurance doesn’t replace your medical coverage; instead, it complements it. The benefit payments don’t go out to pay for medical bills or treatments you may need, instead they come in—directly to you—to be used however you’d like. Choose Cancer Insurance to help lessen the financial impact of covered services and treatments resulting from a covered cancer diagnosis.
Your Cancer Insurance includes the following benefits:
This is a yearly benefit you and your covered dependent spouse and/or children can receive by completing an eligible cancer screening test.
Continuation allows you to maintain your current Cancer Insurance coverage for yourself, your spouse and children during an employer-approved leave of absence.
You may apply to continue your coverage when you leave your current employer, and pay premiums to the insurance company directly.
If you aren’t working because you are totally disabled, Waiver of Premium allows you to keep your Cancer Insurance coverage for a period of time without paying premiums.
What is Cancer Insurance?
How can Cancer Insurance help?
You can use the benefit however you would like. Below are a few examples of how your Cancer Insurance benefits could be used:
Why should I enroll through my employer?
Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.
Can I purchase coverage for my spouse and dependent child?
If you are covered for Cancer Insurance, you may elect Cancer Insurance coverage on your family Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected.
How much does it cost?
You have the option to elect supplemental Cancer Insurance to meet your needs. The cost is provided in the Explore your Benefits brochure and is based on the level of coverage you elect.
Do I need to provide health information?
No. Cancer Insurance coverage is available on a guaranteed issue basis. Pre-existing condition limitation may apply.
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Cancer Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-CNC-POL-738492; Certificate Form #RL-CNC-CERT-738492. Form numbers, provisions and availability may vary by state and employer’s plan.
Beth was diagnosed with breast cancer; she had no previous history of cancer. She lives more than 100 miles from the site of her treatments. Beth was able to use the cancer insurance benefit to pay for expenses she incurred traveling to her treatments. The following outlines the type of benefits she received.
|Second Surgical Opinion
|Needle Biopsy & Anesthesia
|Lumpectomy & Anesthesia
|External Radiation therapy (6 weeks)
|Chemotherapy (6 months)
|Anti-Nausea medication (6 months)
|Transportation (2 round trips)
|Total Benefits Amount
These potential benefits are for illustrative purposes only and actual benefits and results may vary based on the terms of the policy and the claimant’s specific circumstances.
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