GROUP CRITICAL ILLNESS INSURANCE SCHEME
LEAFLET FOR EMPLOYEES
SPECIMEN WORDINGS FOR EMPLOYER'S ASSISTANCE
You will want to tell your employees about this valuable benefit.
We feel sure these specimen wordings will provide you with a sound basis for you to
create your employee communication.
 The wordings provide a framework, rather than starting with a blank sheet.
 You will have your own view on the level of detail suitable for your employees.
 You will want the announcement to reflect your corporate style.
There are a number of sections in the leaflet which need to be "tailored" to fit and describe
your Scheme basis.
Note the paragraphs with dotted lines (......) and square brackets ([ ]), these show details
are needed or a choice of wording.
(Base Cover version – 11/2012 Critical Illness Events)
04/2013
This Leaflet and many other documents are available to download from our website:
http://unum.co.uk/downloads/
unum.co.uk
Unum Limited is authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority
Registered Office: Milton Court, Dorking, Surrey RH4 3LZ
Registered in England 983768
Unum Limited is a member of the Unum Group of Companies
Unum. Milton Court,
Dorking, Surrey RH4
3LZ
01306 887 766 TEL
01306 881 394 FAX
** THE XYZ COMPANY LIMITED **
GROUP CRITICAL ILLNESS INSURANCE SCHEME
We are pleased to tell you about the Critical Illness Insurance Scheme starting ............. 201 ...
The benefits are insured by Unum Limited, which is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Entry is automatic for all permanent employees ordinarily working in the UK who:
( ) have attained age ....
)
( ) have completed..... months of service with the Company ) * select and enter as required
( ) normally work .... hours or more each week.
)
You join on the [day / "Renewal Date" after]
*select for Daily or Annual Entry
you meet these requirements so long as you are not over age ..........
Employees working overseas may be eligible. You will be advised if this applies to you.
Medical Evidence may be needed by Unum when you join or when your benefit increases. You
will be advised if this applies to you. In any event, benefits are only payable insofar as the
Company has been able to obtain cover and at a premium the Company considers reasonable.
The Company is not liable for the benefit in the event that cover is refused by Unum or any
conditions or limitations are applied by Unum.
The Benefit is a lump sum of ......... times your Salary, payable if you suffer one of a number of
critical illness events and survive for 14 days after its occurrence or diagnosis (6 months for
Multiple Sclerosis).
[Your spouse is also covered a lump sum of ......... times your Salary, up to a maximum of
£100,000.]
* only if spouse’s cover is provided
Your children, aged 6 months old to 18 years old, are covered for a lump sum of 25% of your
benefit, up to a maximum of £20,000.
Salary means your [basic annual salary/total pay in the previous 12 months]
*your salary basis
[and is set each "Renewal Date" or on the date of joining service if later] *if Annual Increases
The Company may advise a member of any change to their benefits.
Payment of the lump sum is made directly to you as a one off payment, free of tax.
There is no restriction on how you spend the money you receive.
Critical Illness Events you are covered for are:
Alzheimer’s Disease
Cancer
Coronary Artery Bypass Grafts
Creutzfeldt-Jacob Disease (CJD)
Heart Attack
Hodgkin’s Disease
Kidney Failure
Major Organ Transplant
Motor Neurone Disease
Multiple Sclerosis
Parkinson’s Disease
Pre-Senile Dementia
Stroke
The insurance policy fully describes the critical illness events and their related conditions.
Existing Illnesses are not covered.
No benefit will be paid in respect of a critical illness or related condition with which you
suffered a critical illness event prior to becoming a member.
No benefit will be paid in respect of a critical illness where you have been treated for or had
been aware of a related condition prior to the date of becoming a member.
If you previously suffered a critical illness event no benefit will be paid for any further
incidence of that critical illness. For this purpose:
 if you have already suffered or received a previous diagnosis of Heart Attack, Coronary
Artery Bypass Grafts, Heart Transplant or Stroke, no benefit will be paid for any
subsequent incidences of any of these critical illnesses or for the Major Organ Transplant
critical illness.
 if you suffer or have previously suffered any malignant tumour(s) under the Cancer
critical illness, no benefit will be paid in respect of any subsequent cancer whether or not
such cancer is connected to or associated with the prior diagnosis of cancer.
 if you have received a previous diagnosis of diabetes mellitus, no benefit is payable
under the Coronary Artery Bypass Grafts, Heart Attack, Kidney Failure, Major Organ
Transplant or Stroke critical illnesses.
Related conditions (except for a diagnosis of diabetes mellitus) will be disregarded if a period
of 2 years has elapsed from the date of your becoming a member, without your suffering a
covered critical illness event.
Cover Ceases on the earliest of:
(a)
(b)
[(c)
[(c)
(d)
(d)
your leaving service,
your death,
you reach your ....th birthday ] or
you reach your State Pension age ] *your expiry age
being off work for more than 36 months.
being off work for more than 36 months for any reason other than ill-health.
* (d) select your basis;
first is standard, second is Indefinite Temporary Absence in ill-health
The Cost of the Scheme is paid by the Company. The premiums will be assessed as a benefit in
kind by the Inland Revenue, your tax code will be adjusted to take this into account.
We hope to always continue the Scheme but may change or stop it if we think it's necessary.
This leaflet is a summary of the Scheme, covering all the basic details. If you have any questions,
please contact [Company Contact].
Note: Although every effort has been made to ensure the accuracy of this leaflet the Scheme’s
legal documents prevail in the case of any dispute.