SICKPAY PLUS
GET CASH BENEFITS
WHEN YOU CANT WORK.
If your job benefits dont include sick days, you know that being sick or injured can cost
you. It may be possible to handle a day or two without pay. But what would you do if a
major sickness or injury keeps you out of work for a week or months?
With SickPay Plus from Combined Use your cash benefits to help cover
Insurance, you can count on: expenses like these: Real-Life Facts
n Cash benefits paid directly to n Deductibles and copayments on n More than 40 million
you (in addition to all other your medical insurance American workers do not
private insurance) up to n
have a single paid sick day.1
Other out-of-pocket medical
$1,500 per month depending on
costs n 7 out of 10 Americans live
the coverage level you choose
n
paycheck to paycheck.2
Monthly expenses such as
n Day one coverage from the first mortgage or rent, car payments,
day youre sick or hurt*, are under utility bills and more 1
[Link]
the regular care of a doctor and: htm
n Everyday needs like childcare,
Cant perform your usual work 2
American Payroll Association, Getting paid in
groceries and transportation America Survey, 2010
duties, if employed
Cant perform normal activities,
if unemployed (such as
housekeeping, shopping
and driving)
n Up to 6 full months of coverage
n 24/7 coverage, 365 days a year
for all occupations
n Protection that you keep even
if you change jobs
Learn more at [Link] See the other side for benefits.
* Sickness is optional coverage available for an additional cost, if you qualify.
FOR BROKER USE ONLY. NOT FOR PRESENTATION TO CONSUMERS.
2016 Combined Insurance Company of America, Chicago, IL.
SICKPAY PLUS
OVERVIEW OF BENEFITS
1. Select the SickPay Plus Heres how it works
plan thats right for you: For example, if you choose a monthly benefit of $1,500 a month:
n Accident & Sickness Protection Maximum Benefit Period Depending on Condition Maximum Benefit
pays you cash if you cant work (as long as youre under a doctors care)
due to sickness or injury
Up to 1.5 months* for: Up to $2,250
n Accident Protection pays you - Minor injuries such as sprains and strains. per year
cash if you cant work due - Minor illnesses such as sinusitis, flu, asthma, ($1,500 x 1.5)
to injury bronchitis and pneumonia
2. Choose the monthly Up to 3 months for Up to $4,500
benefit thats right for Injuries or illnesses that require hospitalization, in- or per occurrence
outpatient surgery, C-sections or fractures ($1,500 x 3)
you $800, $1,000 or
$1,500
Up to 6 months for Up to $9,000
Serious conditions such as heart attack, cancer, per occurrence
stroke, paralysis and hip fracture** ($1,500 x 6)
The Maximum Benefit Period applicable for a **Other covered injuries are amputation,
loss will vary from 1.5, 3 or 6 months depending blindness, dismemberment, herniated disc, hip
on the nature of the loss sustained. or spinal fracture, severe burns, paralysis
*Maximum annual benefit for this section is 1.5 Other covered illnesses are brain tumor, kidney
months per policy year for injury and 1.5 months failure, heart surgery, multiple sclerosis, organ
per policy year for sickness. transplant
Exclusions and Limitations
Under the accident/injury coverage, n Cosmetic surgery or other elective duties of your regular occupation
benefits will not be paid for: procedures that are not medically (normal activities if not employed)
n
necessary due to injury or injuries sustained in a
Any sickness or disease
n
covered accident.
n
Any other condition excluded by
Attempted suicide or intentionally
name or specific description in an Sickness recovery period is defined
self-inflicted injury
exclusionary rider as the period in which you are unable
Under the sickness coverage, n
to perform all the material duties
Preexisting conditions are not
benefits will not be paid for: of your regular occupation (normal
covered for the first 24 months
n
activities if not employed) due to a
Attempted suicide or intentionally
Other Important Information covered illness.
self-inflicted injury
n
Policy effective date is generally 15 To be in an accidental injury or
Alcoholism or drug addiction
days from your application date, but sickness recovery period, you must
n Accidental bodily injury may be delayed due to underwriting be under the regular care of a
n Mental or emotional disorders acceptance. Please check your policy physician.
n
for the effective date.
Normal pregnancy or childbirth
Accidental injury recovery period
is defined as the period in which you
are unable to perform all the material
Combined Insurance Company of America (in all states except New York)
Combined Life Insurance Company of New York (only in New York)
111 E. Wacker, Suite 700, Chicago, IL 60601 | Toll-free: 800-225-4500 | [Link]
IMPORTANT NOTICE: This is a supplement to health insurance and is not a substitute for Major Medical Coverage. Lack of Major Medical Coverage (or other
minimum essential coverage) may result in an additional payment with your taxes.
The information contained within this document is only a brief description. Products, features, benefits and rates, as well as exclusions and limitations may
vary by state and are subject to change. See the actual policy for specific details.
2016 Combined Insurance Company of America, Chicago, IL.
XXXXXXXX (2-16)
