Manhattan Life
Critical Protection and RecoveryEvery benefit below is transcribed from ManhattanLife Critical Protection and Recovery outlines of coverage OC-CI-A and OC-CI-B, with rates from CPR-BDR 0520, and from ManhattanLife Critical Protection and Recovery brochures CPR-BR 0520 (without cancer) and CPRC-BR 0520 (with cancer). Benefits, amounts and riders vary by state; the policy issued to you governs.
Whether cancer is covered is your choice, and it changes everything Included
Policy CI-B covers life threatening cancer. Policy CI-A does not cover cancer at all. Every other benefit, exclusion and limitation in the two outlines of coverage is identical. CI-A is meaningfully cheaper for that reason, and it is the wrong policy for anybody who assumed cancer was included.
If you already hold a separate cancer policy, CI-A may be the sensible half of the pair. If you do not, read this line twice.
First occurrence Included
Pays the amount chosen — $5,000, $7,500, $10,000 or $20,000 — the first time in the covered person's lifetime they are diagnosed with end-stage renal failure, major third degree burns, paralysis, coma, heart attack or stroke, or undergo coronary artery bypass surgery or a major human organ transplant. On CI-B, life threatening cancer is on that list too.
Limited to one first occurrence benefit per covered person.
Reoccurrence, with no lifetime maximum Included
After a first occurrence benefit has been paid, a reoccurrence pays half the first occurrence amount — and it pays every time, with no lifetime maximum, provided each reoccurrence is more than 365 days after the last payment.
This is the opposite of a policy that terminates after one payment.
Monthly income for a year Included
Once a first occurrence benefit is paid, a tenth of it is paid every month for 12 months, starting a month after the event. On the $20,000 plan that is $2,000 a month for a year on top of the lump sum.
Hospital confinement Included
$300 for each day confined for treatment of a covered event, with no lifetime maximum. Confinement must be within 500 days of the most recent covered event.
Ambulance Included
$250 for ground and $1,000 for air, payable up to twice per covered event, within 180 days of it.
Travel and lodging when treatment is not local Included
50 cents a mile for your own car, or the cost of coach class travel, where a physician prescribes treatment more than 75 miles from home, limited to $1,500 per covered event. Lodging is paid at actual charges up to $70 a day for the covered person or one adult family member, for up to 15 days per event.
Where the patient is an insured child and commercial travel is needed, the travel benefit covers up to two adults.
There is a cheaper route through an employer Included
The same product is also sold at the worksite, by certificate, with premiums taken from payroll — and those rates are lower than the individual rates. If you are an employer, or an employee whose workplace already offers it, ask us. What a worksite certificate covers is set by the group contract rather than by the individual policy described here, so get the certificate in front of you before comparing the two.
Waiver of premium Included
If the named insured is totally disabled for 60 days because of a covered event, premiums falling due during the disability are waived.
The disability must begin before the policy anniversary following age 60, and the benefit does not apply to a spouse's or child's disability.
Critical Protection and Recovery on its own page, with its own enrollment link.
- Issue ages
- Ages 18 to 64 at issue, in individual, one parent family and two parent family cover. The policy is then guaranteed renewable for life.
- Underwriting
- The first occurrence amount is chosen at application: $5,000, $7,500, $10,000 or $20,000. Whether cancer is covered is also chosen at application, and it is the only difference between the two policies.
- Renewability
- Guaranteed renewable for life, subject to the company's right to change rates on all policies of this class in your state. The policy cannot be cancelled because of your health, your age, or how many times it has paid — only for non-payment of premium. There is a 31 day grace period, and 10 days from receiving the policy to return it for a full refund.
- Pre-existing conditions
- During the first 12 months, a specified health event caused by a pre-existing condition is not covered. After 12 months it is.
- Policy form
- CI-A, CI-B. Form numbers and benefits vary by state.
Required disclosures from Manhattan Life
THIS IS NOT A MEDICARE SUPPLEMENT POLICY. If you are eligible for Medicare, review the Medicare Supplement Buyer's Guide available from the Company.
Not available in all states.
This critical illness only Policy is designed to provide to Covered Persons restricted coverage for certain losses resulting from a Critical Illness ONLY, subject to any limitations contained in the Policy. Coverage is not provided for basic hospital, basic medical-surgical, or major medical expenses due to sickness.
READ YOUR POLICY CAREFULLY. This outline of coverage provides a very brief description of some of the important features of your Policy. This is not the insurance contract and only the actual Policy provisions will control.
Benefits are not paid for a loss connected with: an event occurring before the effective date; being under the influence of a controlled substance or intoxicated; playing a sport for money; intentionally self-inflicted injury or attempted suicide; war or an act of war while in military service; travel in or descent from an aircraft other than as a fare-paying passenger; committing or attempting a felony; an illegal occupation; or an experimental major human organ transplant.