Critical Illness

Claim forms can be obtained at:

Written notice of claim must be filled within 30 days after the diagnosis, or as soon thereafter as is reasonably possible.

Proof of Loss

Written proof of loss must be furnished within 90 days after the date of the diagnosis. Failure to furnish proof within the time required neither invalidates nor reduces any claim if it was not reasonably possible to give proof within such time, provided such proof is furnished as soon as reasonably possible and in no event, except in the absence of legal capacity of the claimant, later than one year from the time proof is otherwise required.

Payment of Claims

Upon receipt of due written proof of loss, benefit payments will be made to (or on behalf of, if applicable) the Insured Member suffering the loss. If an Insured Member dies before all payments due have been made, the amount still payable will be paid to his or her beneficiary.

If any payee is a minor or is not competent to give a valid release for the payment, the payment will be made to the legal guardian of the payee’s property. If the payee has no legal guardian for his or her property, a payment not exceeding $1,000 may be made, to any relative by blood or connection by marriage of the payee, who in the Insurer’s opinion, has assumed the custody and support of the minor or responsibility for the incompetent person’s affairs.