TMA Member Critical Illness Needs Estimator

TMA members who are 64 years old or younger may apply for up to $250,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. At Age 65, your coverage amount reduces to 65% of the initial coverage amount and further reduces at Age 70 to 50% of the initial coverage amount. At Age 75 the reduction is to 25% of the initial coverage amount.

Spouse/Domestic Partner may elect up to $125,000 and children up to $15,000 of coverage. Neither the Spouse/Domestic Partner or children can exceed 50% of the member benefit.

No premium contribution is required at time of enrollment. Your first premium contribution will be due following approval of your enrollment request.

Even with health insurance, out-of-pocket medical and non-medical expenses such as deductibles or co-pays can really cause financial strain. With Critical Illness insurance, there are no limitations in how you use your benefit payments. The money can be used for anything you choose, such as home care and treatment, recuperation aid, mortgage payments or rent, child care, over-the-counter medications, groceries, college tuition, or travel to a treatment center.

Benefits are payable directly to you, as per the terms of the policy.

A Reoccurrence benefit is a part of our standard offering and allows an insured to receive additional benefit payments for the second diagnosis of a previously covered condition up to a maximum benefit amount. The reoccurence benefit is payable at 50% of the amount paid for the first occurrence of the critical illness.

100% of the Amount of Insurance payable for:

• Invasive Cancer
• Heart Attack
• Major Organ Failure
• Stroke
• Renal Failure
• Alzheimer's Disease

25% of the Amount of Insurance payable for:

• Cancer in Situ
• Severe Coronary Artery Disease
• Parkinson's Disease
• Multiple Sclerosis
• Terminal Illness
• Occupational HIV

The Lifetime Maximum Benefit is 200% of your amount of Insurance.

National Cancer Institute (NCI) Evaluation Benefit Amount Payable

• $500; plus
• $250 for the transportation and lodging of the Covered Person requiring the evaluation if the NCI facility is more than 100 miles from the Covered Person’s primary residence.

Transportation Benefit Amount Payable

An amount equal to the lesser of:

• The actual charges insured for travel by train, plane or bus, plus $0.50 per mile for travel by personal car; and
• $1,500.

Transportation Benefit Annual Limit

The Transportation Benefit is limited to one benefit payment per calendar year for each Covered Person receiving treatment during that visit.

Lodging Benefit Amount Payable

• $150 per day.

Lodging Benefit Annual Limit

The Lodging Benefit is limited to 60 days per calendar year for each Covered Person receiving treatment during that visit.