Page 4 • Annual physical examination • Any medically accepted Cancer screening • Bone density screening • Cardiac exercise stress test • Dental examination • Diabetes tests • Electrocardiogram (ECG)-resting or stress Qualifying exams and screenings for wellness screening benefit There are several exams and screenings that qualify for the annual benefit. Below is an illustration of some of the covered exams and screenings: • Immunizations • Interscholastic Sports Physical Exam • Lipid panel (cholesterol, triglycerides, HDL, LDL) • Mental health screening • Smoking cessation program • Vision examination • Weight reduction program Understanding your benefits Commonly Used Terms Benefit Amount The dollar value of the insurance and the amount able to be claimed. Benefit Percentage The percent of the “Benefit Amount” that is payable for each covered condition. Recurrence Benefit Percentage The percent of the “Benefit Amount” that is payable upon the second and all subsequent claims for a condition for which a claim has previously been paid under this policy. Cancer in Situ A diagnosis referring to cancer that has not spread into surrounding tissue (aka non-invasive cancer). A localized cancer is generally more easily resolved. Attained Age Rating Premium is based on the current age you have attained. Any increases in premium due to entering a new age-band will be administered at the next annual enrollment. Frequently Asked Questions When can I enroll? You can enroll when you are initially eligible for benefits and any subsequent annual enrollment or life status change. Are my dependent children eligible for coverage? Yes, dependent children are eligible up to end of the month they reach age 26. If any dependent children are developmentally disabled, you are able to continue coverage beyond age 26. Do benefits have to be used for medical expenses? You decide how to use your benefit payment: • Out-of-pocket medical costs, including deductibles and co-pays • Rehab costs • Rent or mortgage payments • Groceries • Utility or credit card bills • Childcare • Other financial support What is critical illness insurance? Group critical illness insurance is designed to pay a lump sum cash benefit when an insured is diagnosed with a covered condition (i.e. heart attack, stroke, cancer, etc.). The covered conditions are common and typically are survivable diagnosis. Why should I buy critical illness insurance? Two-thirds of personal bankruptcies are due to medical expenses, even for those with medical insurance. Equitable's critical illness insurance policy covers the most common conditions likely to arise over your lifetime and provides protection from the many expenses stemming from a significant medical condition. • • • • • • • • • • • • • • • • • • • • •