You are among the very first group of people to receive this opportunity to help protect yourself and your family with the new, multi-benefit Cancer Recovery Plan. This plan is underwritten by American General Life Insurance Company, and its selection by Voluntary Benefits Plan for inclusion in the benefits offered to APWU members reflects the hard work and research that goes into every membership program we offer.
This outstanding cancer recovery plan represents a ray of hope for anyone diagnosed with invasive cancer. As you'll see in the outline of coverage, this plan offers a lump-sum payment and a wide scope of hospital and preventive care benefits designed to help you live long and stay strong.
A first diagnosis cash benefit will pay you $3,500.00 if you or your insured spouse is diagnosed with any type of invasive cancer. This money can be used to cover expenses or treatment options your basic insurance plan won’t cover ... to help run your household if your illness prevents you from working ... or in any other way you see fit. (Under the basic plan, $2,500.00 is paid.)
Benefits under this policy are not payable in connection with a pre-existing condition during the initial 12 consecutive months the insured person has been enrolled for coverage under this policy. A critical illness resulting from a pre-existing condition commencing thereafter will be covered unless otherwise excluded by this policy.
A pre-existing condition means an injury or sickness for which you incurred charges, received medical treatment, consultation, care or services, including diagnostic measures, took prescription drugs or medicines, or had symptoms for which an ordinarily prudent person would have consulted a physician during the 12 months immediately preceding the coverage effective date under this policy.
This policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from, the following: suicide or intentional self inflicted injury or sickness, while sane or insane; being under the influence of an excitant, depressant, hallucinogen, narcotic, other drug, or intoxicant including those taken as prescribed by a physician; commission of or attempt to commit an assault or felony; engaging in illegal activity or occupation; voluntary participation in a riot; any illness, loss or condition specifically excluded from the definition of any critical illness; war, whether declared or not; balloon angioplasty, laser relief of an obstruction, and/or other intra-arterial procedure. See below for excluded states.
With the Cancer Recovery Plan, available to you as a member of the American Postal Workers Union, benefits are paid directly to you, to cover any expenses. Use your benefits to help pay insurance co-pays and deductibles for hospitalizations and required surgeries, treatments not covered by your health insurance, in-home nursing care, travel and lodging expenses, or other costs. This plan in not limited by other coverage. You’ll receive benefits, no matter what other health insurance you have. Once enrolled, you can keep this coverage until you reach age 80.
You may also enroll your spouse under age 79 and dependent children under age 23, or age 25 if a full-time student (subject to state variations). Convenient payroll deduction and economical group premiums
Simply choose the right plan for you and your family:
Benefit payments will be made if the covered individual is diagnosed with cancer after the initial 12 months of coverage. Definition: **Invasive cancer means a disease which is manifested by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. For the purpose of this definition, it does NOT mean the following: pre-malignant lesions, benign tumors or polyps; leukoplakia; hyperplasia; carcinoid; any tumors in the presence of any human immuno-deficiency virus (HIV); polycythemia; stage 1 Hodgkin’s disease; stage A prostate cancer; Duke’s stage A colon cancer; intraductal non-invasive breast cancer; stage 0 or 1 transitional cell carcinoma of urinary bladder; and any skin cancer other than malignant melanoma with a depth of 1 mm or deeper or greater than Clark level 2. T1N0M0 (TNM Classification System) papillary carcinoma or the thyroid less than 1 cm in diameter; Chronic Lymphocytic Leukemia RAI stage 0; In-Situ Cancer.
Simply complete the Activation Form authorizing payroll deduction. Click here for an Activation Form. Please make sure you complete all the information requested. An incomplete Activation Form will be returned, resulting in a delay in processing your Activation Form. The following states are currently excluded from coverage in the Cancer Recovery Plan: CT, NH, AK, LA, MD, MN, MT, NM, OR, UT, VT & WA.
Call the following toll-free number 1-800-422-4492 Monday through Friday between 8:30AM and 5:00PM EST.
The Voluntary Benefits Plan P.O. Box 12009 Cheshire, CT 06410
Phone: 1-800-422-4492 Fax: 1-203-754-7847
This plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC No. 70106 domiciled in the state of New York with a principal place of business of 175 Water Street, New York, NY 10038. It is currently authorized to transact business in all states, plus DC, except PR.
Policies issued by The United States Life Insurance Company in the City of New York (US Life). Issuing company US Life is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Products may not be available in all states and product features may vary by state. Policy# G-224,540 Form #s G-19000
This summary is a brief description of benefits only and is subject to the terms, conditions, exclusions and limitations of the group policy.
The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company are its responsibility.
To find out more about your member benefits today, click here.