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Gap Plus Plan - www.gapplusplan.com - Member Driven Value.
Gap CI Plan - www.ubamembers.com - Member Driven Value.

Gap CI Plan

Select here to Apply Now to UBA Membership and Gap CI Plan

Plan Costs*

Individual - $40 per month
Individual+1 - $60 per month
Family - $80 per month  

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Select here to view Gap CI Plan Sample Member Guide for details on plan

Group Critical Illness Insurance helps with out-of-pocket costs due to the first diagnosis of life-threatening cancer, heart-attack or stroke. The Gap CI Plan is a great fit for those reaching middle age, people with a family history of cancer, heart-attack or stroke, or those that just want that extra layer of protection for some of their out-of-pocket costs (like health plan deductibles, coinsurance maximums, and out-of-network costs if you choose to go to a doctor or provider not in your network) due to being diagnosed with a Critical Illness. Gap CI Plan is designed to supplement your comprehensive health insurance plan for additional protection.

Be Prepared for the Future.
Fight Back Against Out-of-Pocket Expenses. 


Group Critical Illness Insurance - Gap CI Plan

GROUP CRITICAL ILLNESS INSURANCE



We pay a benefit if a Covered Person is diagnosed as having a covered Critical Illness for the first time and the diagnosis is made while the coverage is in force. We pay this benefit only if the Critical Illness first occurs after the Effective Date of Coverage for that Covered Person and while the Covered Person's coverage under this Group Policy is in force. We pay a Covered Critical Illness benefit only one time, regardless of the subsequent occurrence of the same or different covered Critical Illness for that Covered Person. It is a lump sum benefit. Once the benefit is paid, coverage for that Covered Person under the Master Policy terminates. Claims for benefits shall be administered based on the Policy Certificate. To be considered first diagnosis of a covered critical illness, it must meet the full definition listed in your Policy Certificate. Please view the Policy Certificate to view full definitions, limitations, exclusions and terms of the Policy Certificate.

Maximum Benefits After the First 12 Months From Effective Date

Member Principal Sum $25,000.00
Spouse Principal Sum $25,000.00
If 1st Diagnosis Occurs in the First 12 months from Effective Date $2,500.00


Group Critical Illness Insurance Facts

  • Group Critical Illness Insurance is provided & underwritten by Windsor Life Insurance Company.
  • Benefits End when the Covered Person reaches age 65.


Did you know Statistics for Critical Illnesses - Gap Plus Plan

It is estimated there will be 1,688,780 new cancer cases in 2017.1

Every year, about 795,000 Americans have a stroke. Of these 610,000 are a first or new stroke.2

Someone in the U.S. has a stroke every 40 seconds.2

Every year, about 735,000 Americans have a heart-attack. Of these 525,000 are a first heart-attack.3

Stats taken from:
1 Cancer Facts and Figures 2017 by the American Cancer Society downloaded at https://www.cancer.org.
2 http://www.cdc.gov | Stroke Facts & Heart Disease Facts & Statistics. Mozaffarian D. Benjamin EJ Go AS Arnett DK Blaha MJ Cushman M et al., on behalf of the American Heart Association Statistics Committee and Stroke Statistics Sub Committee. Heart Disease and Stroke Statistics-2016 update: a report from the American Heart Association. Circulation 2016:133(4):e38-360.
3 http://www.cdc.gov | Stroke Facts & Heart Disease Facts & Statistics. Mozaffarian D. Benjamin EJ Go AS, et al. Heart Disease and Stroke Statistics - 2015 updated: a report from the American Heart Association. Circulation 2015:131:e29-322.



THIS IS A LIMITED POLICY. THIS IS NOT A COMPREHENSIVE MAJOR MEDICAL INSURANCE.
THIS IS A CRITICAL ILLNESS ONLY POLICY

This is a brief description of Group Critical Illness coverage provided and underwritten by Windsor Life Insurance Company. Covered Critical Illnesses are subject to the definitions, limitations and exclusions of the Policy Certificate. Benefit for Group Critical Illness Insurance ends at age 65. Benefits are paid at 10% of the Benefit Maximum if first diagnosis is in the first year from the effective date.



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State Availability

GAP CI Plan State Availability
GAP CI PLAN IS
AVAILABLE IN THESE STATES 

AL, AR, AZ, CA, DC, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MI, MO, MS, NC, NE, NM, NJ, ND, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI & WY

HOW TO FILE 
GROUP CRITICAL ILLNESS CLAIMS 

United Business Association Claims Unit

Windsor Life Insurance Company
1345 River Bend Drive Suite 100
Dallas, TX 75247
Phone: 877.368.3927
Fax: 214.528.2777    

Select here to view and download Gap CI Plan Group Critical Illness Claim Form
Critical Illness Claims:

Claims for benefits shall be administered based on the Policy Certificate. A copy of the Policy Certificate is available upon request. Benefits are subject to the definitions, limitations, exclusions and other provisions within the Policy Certificate. For more information and complete details of the terms, conditions, limitations, definitions of covered critical illnesses and exclusions of coverage, please refer to the Policy Certificate. Note: Always include the Covered and Primary Insured's Name, current address, and Certificate Number (which is your social) when addressing claims. All claims must be notified within 30 days after a covered loss occurs or starts, or as soon as possible.

Important Note:

These claim forms above are for Gap CI Plans purchased on or after 04.05.18 or for all Gap CI* Plans on or after 06.01.18. If you purchased a Gap CI Plan prior to 04.05.18 and claim occurs before 06.01.18, please locate your claim form on the Members Link at www.ubamembers.com. (*Does not include Gap CI 10K Plan.)

United Business Association

The United Business Association (UBA) is a nationwide membership of small business owners and employees. UBA leverages our purchasing power to secure benefits and discounts that may not be otherwise available on an individual basis. With association group insurance programs, shared business knowledge, business and lifestyle benefits and services and opportunities to network, We are Better Together. Your membership in the United Business Association allows you to access and enroll in association group insurance programs and apply for association short term medical insurance. Various insurance companies have issued group limited benefit insurance policies to the United Business Association as the group master policyholder. Product features, additional plans and availability may vary by state. View UBA's Refund / Cancellation Policy.

*Plan Costs listed at the top of the page do not include the separate $10 UBA Membership dues. You must be a member of the United Business Association to access and enroll in this Gap Plan.

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