Supplemental — DUO® Critical Illness Insurance

THIS PRODUCT PROVIDES LIMITED BENEFITS. DUO CRITICAL ILLNESS INSURANCE IS GROUP CRITICAL ILLNESS COVERAGE ONLY FOR CERTAIN SPECIFIED DISEASES. THIS COVERAGE IS SUPPLEMENTAL AND NOT A SUBSTITUTE OR REPLACEMENT FOR COMPREHENSIVE HEALTH INSURANCE COVERAGE. IT IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES.

This document provides a brief description of USAble Life’s DUO Critical Illness insurance. This is not an insurance policy. Limitations and exclusions apply, and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy carefully.

Please consult your policy, certificate, and any attached riders, if applicable, for specific information about the benefits available, the benefit amounts payable, and the requirements that describe qualifying for payment of the benefits.

Renewability
The policy is renewable at the option of the policyholder, subject to the terms and conditions of the policy. The acceptance of a renewal premium is optional with the company. An employee’s coverage is contingent upon continued employment or membership in the group.

Change of Premium
Premiums are subject to change. Rates are guaranteed for two years from the policy effective date. The company reserves the right to change the premium rate at the end of any rate guarantee period.

Cancelability and Modification
The policy may be canceled at any time by the policyholder. We may cancel or modify the policy with at least 31 days’ notice, subject to the policy provisions.

Termination
Coverage will end when an employee is no longer actively at work, no longer eligible for insurance, when due premium is not paid, or when the policy is terminated by us or the policyholder, subject to the policy provisions.

Waiting Period
Employee coverage may be subject to an eligibility waiting period, depending on employer preference.

 

Exclusions and Limitations for residents of Alabama

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Arkansas

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being intoxicated as defined by the laws of the jurisdiction in which the loss occurred, unless taking narcotics as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Florida

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits

At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-POL-51 (9-20), GCI-CRT (9-20), GCI-CRT-51 (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Hawaii

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits

At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-POL-51 (9-20), GCI-CRT (9-20), GCI-CRT-51 (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Idaho

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either; or
  4. Alcoholism or drug addiction.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.

A pre-existing condition is a disease or physical condition for which:

  1. Medical treatment, consultation, care or services were received, including diagnostic measures, drugs or medicines were taken or prescribed, over the counter medications were taken or treatment recommendations were followed in the 6 months just prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective; or
  2. Symptoms existed within the 6 month period prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (7-22), GCI-ID-RDR-ID (7-22), GCI-SI-RDR-ID (7-22), GCI-CC-RDR (7-22), GCI-HIV-RDR (7-22)

 

Exclusions and Limitations for residents of Massachusetts

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits

At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-POL-51 (9-20), GCI-CRT (9-20), GCI-CRT-51 (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of North Carolina

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

Benefits

At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-POL-51 (9-20), GCI-CRT (9-20), GCI-CRT-51 (9-20), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Oregon

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. The covered person being intoxicated as defined by the laws of the jurisdiction in which the loss occurred, unless taking narcotics as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.

A pre-existing condition is a disease or physical condition for which:

  1. medical treatment, consultation, care or services were received, including diagnostic measures, drugs or medicines were taken or prescribed, over the counter medications were taken or treatment recommendations were followed in the 12 months just prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective; or
  2. symptoms existed within the 12 month period prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Tennessee

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. The covered person being intoxicated as defined by the laws of the jurisdiction in which the loss occurred, unless taking narcotics as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.

A pre-existing condition is a disease or physical condition for which:

  1. medical treatment, consultation, care or services were received, including diagnostic measures, drugs or medicines were taken or prescribed, over the counter medications were taken or treatment recommendations were followed in the 12 months just prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective; or
  2. symptoms existed within the 12 month period prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

Exclusions and Limitations for residents of Utah

We will not pay benefits for a loss that is caused by, contributed to by, or occurs as a result of any of the following:

  1. Intentionally self-inflicted injury or action;
  2. Voluntarily committing or attempting to commit an assault or felony or participation in an illegal occupation;
  3. Suicide while sane, or self-destruction while insane, or any attempt at either;
  4. Substance abuse, to include abuse of alcohol, alcoholism, abuse of legally obtained prescription medication; or illegal use of a non-prescribed drug or narcotic; or
  5. The covered person being under the influence of alcohol, a drug, or a narcotic, unless administered and taken as prescribed by a physician.

We will not pay benefits for medical care or receiving healthcare treatment, services, transportation, or for a hospital stay in any medical facility outside the United States of America or Canada.

The policy may limit benefits for any loss that results from, is caused by, or is contributed to by a pre-existing condition during the first 12 months of coverage.

A pre-existing condition is a disease or physical condition for which:

  1. Medical treatment, consultation, care or services were received, including diagnostic measures, drugs or medicines were taken or prescribed, over the counter medications were taken or treatment recommendations were followed in the 12 months just prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective; or
  2. Symptoms existed within the 12 month period prior to the covered person’s effective date of coverage or the date an increase in benefits would otherwise be effective.

Benefits
At the group policyholder’s option, your certificate may also include benefits for any of the following: heart attack, cardiac arrest, stroke, coronary artery disease, end stage renal disease, major organ failure, invasive cancer, noninvasive cancer, general cancer, recurrent diagnosis.

For complete details of coverage, please refer to the group policy forms: GCI-POL (9-20), GCI-CRT (7-22), GCI-EB-RDR (9-20), GCI-ID-RDR (9-20), GCI-SI-RDR (9-20), GCI-CC-RDR (9-20), GCI-HIV-RDR (9-20), GRP-SUPP-PC-RDR (9-20)

 

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