CRITICAL ILLNESS
Administered by: United HealthCare
Customer Service: 1-888-299-2070
Policy Number: 303972

Critical Illness Coverage
This benefit is designed to protect you and your family's financial health. Critical Illness can help fill a financial gap if you or a family member experiences a service life-threatening illness such as cancer, a heart attack, and major organ transplant. Upon diagnosis of a covered illness, you can receive a lump sum benefit. Employees can elect coverage in the amount of $10,000 or $20,000. Spouses can be covered for 1/2 of the employee's covered amount.  The coverage options are: $5,000 or $10,000. Children can be covered for $2,500. Wellness benefits are offered too! The plan offers a $100 wellness benefit per year for health screening tests such as a mammogram, colonoscopy, Chest X-rays and more.

Critical Illness Benefits and Premiums
- Click here to view a critical illness flier.
- Click here to view a critical illness summary of benefits.
- Click hereto view the premium calculation sheet.

Employee Eligibility
Any active employee of LSUS is eligible for vision insurance provided the following:
Employed at 75% of full-time effort or greater (at least 30 hours per week);
Appointed for a duration of at least one semester or 121 days or greater

Dependent Eligibility

- The covered employee's legal spouse
- A child from the date of birth up to 26 years of age (regardless of student status or tax status)

Enrollment
New Hire: Employee and eligible dependents may enroll within the first 30 days of employment without medical underwriting. Benefits are effective on the first of the month following the first full month of employment.
After the first 30 days of employment, employees and eligible dependents may apply for coverage with medical underwriting. 

Claims
Claims File Deadline – Written Notice of a claim must be given to UHC by the Covered Person, or his authorized representative, within 30 days after the date of the Diagnosis of a Critical illness. If it is not possible, written notice must be given as soon as it is reasonably possible to do so. (Page 19 of attached Certificate of Coverage)

Certificate of Coverage
Click here for the LSU Certificate of Coverage. 

Wellness Benefit
The plan will pay up to $100 per year if you have certain health-screening tests, such as mammogram, colonoscopy, or chest x-ray. You must file a wellness claim form in orderr to receive this payment. A more detailed list of approveed wellness exams can be found on the claim form.

Terminating
Employees
Insurance terminates on the last day of the month in which the person was employed.

Portability
This plan is eligible for Portability. Employees can take this coverage upon termination of employment. Portability paperwork must be received by United Healthcare within 31 days of termination. Click here for the Portability Form.  

ACCIDENT PROTECTION

Administered by: United HealthCare
Customer Service: 1-888-299-2070
Policy Number: 303972

The Accident Protection Insurance
If an accident occurs, on or off of the job, you may be surprised at the expenses that add up. This insurance is designed to protect your finances by helping you pay for those unexpected costs associated with an accidental injurty. This benefit covers a wide range of common injuries and accidents. If you or a covered family member become injured, Accident protection will pay you a direct cash benefit. The amount of money you receive depends on the type and severity of the injury and can be used any way you choose.

Accident Protection Insurance Benefits and Premiums
Click here to review a summary of benefits.
Note: Premiums are listed on page 3 of the summary of benefits document.
Premiums are deducted on a post-tax basis (not eligible for the Premiums Only Plan).

Eligibility
Any active employee of LSUS is eligible for life insurance provided the following:
Employed at 75% of full-time effort or greater (at least 30 hours per week);
Appointed for a duration of at least one semester or 121 days or greater

Dependent Eligibility
- The covered employee's legal spouse
- A child from the date of birth up to 26 years of age (regardless of student status or tax status)

Enrollment
New Hire:
May enroll within the first 30 days of employment.
Current employee: May enroll at any time without medical underwriting. Benefits are effective the first of the month following when enrollment form is signed.
Newly eligible employee or family member: May enroll at any time without medical underwriting. Benefits are effective the first of the month following when enrollment form is signed.
 
Notice of Claim
Written notice of a claim must be given within 20 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. The notice should include the claimant’s name, the Policyholder’s name and the Policy number. The Notice of Claim must be sent to the plan administrator. The plan administrator will send it to Us. 

Claims

When UHC receives the notice of claim, We will send the forms for giving Us Proof of Claim. The forms will be sent within 15 days after We receive the notice of claim. If the forms are not received from UHC within 15 days of a request, written proof of claim should be sent to UHC without waiting for the form. The claimant will satisfy the proof of claim requirement if written proof of the occurrence, nature and extent of the loss are sent to Us. 
**Please review page 27 of the Certificate of Coverage for the timelines in filing claims. This very important. 
- Click here for instructions on how to file a claim
- Click here for the claim form

Certificate of Coverage
Click here for the Certificate of Coverage. 

Terminating Employment
If you leave LSU employment, your Accident Protection policy will end at the last day of the month in which you leave LSU. Retirees can not continue this benefit into retirement.

Portability
The Accident Protection Insurance is eligible for Portability upon termination of employment. The portability form must be submitted to United HealthCare within 31 days of the coverage termination. Click here for the Portability form.