Intensive Care Protection

The following information highlights the benefits of the current Intensive Care policy available through your benefits package. If you enrolled in an Intensive Care Plan prior to this year, you may have different benefits and features than those shown here. You should refer to your personal policy for your exact benefits and features. Your Benefits Representative can provide you with further information on which plan you have, and assist with any questions. Please meet with your Benefits Representative during your open enrollment period for any assistance.

Provides First Day Coverage For Accidents,
Second Day Coverage For Sicknesses
Pays Benefits For up to a Total of 31 Days Per Confinement in an Intensive Care Unit and Subsequent Confinement in a Sub-acute Intensive Care Unit

Benefits	Option One	Option Two
Benefit for confinement in a Hospital Intensive Care Unit	$750/day	$620/day
Benefit for confinement in a Hospital Sub-acute Intensive Care Unit that follows Hospital Intensive Care Unit confinement	$150/day	$100/day
Or
At age 70 Benefit for confinement in a Hospital Intensive Care Unit	$2,000 per confinement	$1,500 per confinement

Features

Your policy includes a benefit for confinement in a Sub-acute Intensive Care Unit, which may also be referred to as Progressive Care, Intermediate Care or a step-down unit. Many intensive care policies do not offer this benefit!
You will receive a lump sum benefit for each intensive care confinement on or after your seventieth birthday!
Your coverage is guaranteed renewable for life!
Your newborn children will be automatically covered! If you do not have family coverage, you then have 30 days to apply for family coverage.
Your eligible dependent children may be covered until age twenty-five!
You may select individual, one-parent or two-parent family coverage!

Who is Eligible?

Persons age 18 through 64, except those with a previously-diagnosed heart-condition, Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC).

Outline of Coverage Read your policy carefully. This outline provides a very brief description of the important features of your policy. This is not an insurance contract and only the actual policy provisions will control. The policy sets forth in detail the rights and obligations of both you and us. It is therefore, important that you READ YOUR POLICY CAREFULLY. Intensive Care Unit Confinement Indemnity Coverage: Policies of this category are designed to provide, to persons injured, a fixed daily benefit during periods of intensive care unit confinement resulting from a covered accident or sickness, subject to any limitations set forth in the policy. This policy does not provide any benefits other than a fixed daily intensive care unit indemnity, a fixed daily sub-acute intensive care unit indemnity, and a lump sum benefit for confinement in an intensive care unit on or after your seventieth birthday. We will pay benefits up to a maximum of 31 days per period of confinement in a Hospital Intensive Care Unit and subsequent confinement in a Sub-acute Intensive Care Unit. If you are confined to a Hospital Intensive Care Unit and you become confined to a hospital again within thirty days, we will treat this confinement as the same confinement.
DEFINITIONS
Hospital does not mean a nursing home, extended care or similar facilities. Hospital Intensive Care Unit means a specifically designated facility called an Intensive Care Unit or Coronary Care Unit, apart from other hospital areas, which provides the highest level of medical care, is restricted to critically ill or injured patients and has a doctor assigned on a full-time basis. It does not include the following units: a progressive care, sub-acute intensive care, intermediate care, private monitored rooms, observation or other facilities which do not meet the standards for a hospital intensive care unit. Sub-acute Intensive Care Unit means a specifically designated facility, apart from other hospital areas, which provides a level of care below Intensive Care, but above a regular private or semi-private room or ward. It does not include a regular private or semi-private room or ward with or without monitoring equipment. Day means a 24-hour period. If you are confined to a Hospital Intensive Care Unit or a Sub-acute Intensive Care Unit for only a portion of a day, we will pay a pro-rata share of the daily benefit. Eligible Dependents means your spouse and unmarried dependent children under age 19 (25 if full-time student).
WHAT IS NOT COVERED BY THIS POLICY
We will not pay benefits for: an injury or sickness which is caused by or occurs as the result of your committing or trying to commit suicide and your injuring yourself intentionally, whether you are sane or not; your treatment for alcoholism or drug addiction, unless you are addicted to a narcotic that you take on the advice of a doctor. Renewability: Your policy is guaranteed renewable for life. Your premium can be changed only if we change it on all policies of this kind in force in the state where you live.

This information provided by
Colonial Life
Columbia, South Carolina 29202
www.coloniallife.com