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CRITICAL ILLNESS INSURANCE

Critical illness insurance works to complement your medical coverage—and pays in addition to what your medical plan may or may not cover. It is coverage that provides financial support when you or a loved one becomes seriously ill. Upon diagnosis of a covered illness, it provides you with a lump-sum payment of $15,000 or $30,000 in initial benefits. The payment you receive is yours to spend however you like. Before enrolling in critical illness insurance, it’s important to understand the limitations of the plan. Only certain conditions are considered covered conditions, the plan does not pay for all illnesses. Please carefully review the plan information before you enroll so you can understand if critical illness coverage is right for your family’s financial plan.

You can only enroll for the Critical Illness plan as a new hire, a Qualified Life Event, or during Open Enrollment for the following calendar year.

Who is Eligible +

Eligible Individual Initial Benefit Amount
Active Employe $15,000 or $30,000
Spouse/DP 50% of Employee's Initial Benefit
Dependent Child(ren) 50% of Employee's Initial Benefit

Benefit Payment +

The plan provides cash benefits if you or a covered family member is diagnosed with a critical illness or event. Benefits are paid in addition to what is covered under your health insurance. There are no waiting periods or overall plan maximums.

Covered Conditions +

Covered Conditions Benefit Percentage
Heart Attack 100%
Stroke 100%
Invasive Cancer 100%
End Stage Renal (kidney) Failure 100%
Major Organ Failure (heart, lung, liver, pancreas, or intestine) 100%
Arterial/Vascular Disease 25%
Noninvasive Cancer (in situ) 25%
Skin Cancer (other than melanoma) $250 per lifetime
Other Supplemental Conditions, Accidental Injuries and Childhood Conditions See Benefits At-A-Glance

Health Screening Benefit +

Lincoln Financial will provide an annual benefit of $50 per calendar year for taking one of the eligible screening/prevention measures (one screening benefit per person per calendar year). Eligible screenings include routine exams, mammogram, ultrasounds for cancer detections. Learn more about the Health Screening Claims process. Visit the Resources page of this website for the Critical Illness Plan Summary, providing a complete list of eligible screenings for the benefit, along with the Health Screening Benefit claim form. 

Filing a Claim +

To file a Critical Illness claim, you can either:

  1. Complete the claim form (available on the Resources page of this website) and mail or fax a copy of the completed form and required medical information to Lincoln Financial; or
  2. File a claim through the Lincoln Financial Portal (first time users should register using company code "MARVELL"), where you can also view the status of your claim. You can also access the Lincoln Financial Portal through Marvell’s SSO.

Once a claim is filed, the Critical Illness Claims Examiner will contact the employee regarding the claim if more information is needed.
Critical Illness claims created through the disability process may take 2-4 weeks and claims submitted directly by the employee may take 5-7 business days.

  • Customer Service Center: 800-423-2765 (Monday through Thursday, 8 a.m. to 8 p.m., Eastern - Friday, 8 a.m. to 6 p.m., Eastern)
  • ClientServices@LFG.com for Critical Illness benefit questions
  • Claims@LFG.com for Critical Illness claims inquiries and questions on existing claims

 

LEARN MORE ABOUT CRITICAL

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Review the Critical Illness Plan Summary on the Resources page of this website.