Gap CI Plan
Member Driven Value.
$40 per month - Individuals
$80 per month - Family
Summary of Plan
Be Prepared for the Unexpected.
Critical Illness Statistics
Every year, about 735,000 Americans have a heart-attack.
Of these 525,000 are a first heart-attack.3
It is estimated there will be 1,688,780 new cancer cases in 2017.4
Every year, about 795,000 Americans have a stroke.
Of these 610,000 are a first or new stroke.
Someone in the U.S. has a stroke every 40 seconds.5
Stats Taken From:
3http://www.cdc.gov. Stroke Facts & Heart Disease Facts & Statistics. Mozaffarian D Benjamin EJ Go AS, et al. Heart Disease & Stroke Statistics - 2015 updated: a report from the American Heart Association. Circulation 2015:131:e29-322. 4Cancer Facts and Figures 2017 by the American Cancer Society downloaded at https://www.cancer.org. 5Mozaffarian D. Benjamin EJ Go AS Arnet 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.
Maximum Benefit Amount after the first 12 months from effective date^
|Member Principal Sum||$25,000|
|Spouse Principal Sum*||$25,000|
|1st Diagnosis in the first 12 months from Effective Date||$2,500|
^Coverage is available to all active members of the United Business Association and their eligible spouses between the ages of 18-64. Coverage is provided by and underwritten by Windsor Life Insurance Company.
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.
Group Critical Illness Insurance
It is a Lump Sum Benefit.
Benefits end when Covered Person reaches age 65.
Covered Critical Illnesses with Gap CI Plan
Covered Critical Illness Definitions
Life-Threatening Cancer:Includes only those types of cancer manifested by the presence of a malignant tumor, characterized by the uncontrolled growth and spread of malignant cells that invade tissue, blood or the lymphatic system. As used herein, Leukemia and Hodgkin's Disease (except stage 1 Hodgkin's Disease) shall be considered Life-Threatening Cancer. Does not include
- Premalignant tumors or polyps;
- Cancer in situ;
- Carcinoid of the appendix;
- Stage 0 transitional carcinoma of urinary bladder; or
- Any skin cancers other than malignant melanomas.
Heart-Attack (Myocardial Infarction):An acute myocardial infarction resulting in the death of a portion of the heart muscle (myocardium) due to a blockage of one or more of the coronary arteries and resulting in the loss of normal function of the heart.
Stroke:An acute cerebrovascular accident producing neurological impairment and resulting in paralysis or other measurable objective neurological deficit persisting for at least thirty (30) days. This definition of Stroke shall specifically exclude:
- Transient ischemic attack (mini-stroke);
- Head injury;
- Chronic cerebrovascular insufficiency;
- And reversible ischemic neurological deficits.
Gap CI Plan is available in the following states:AL, AR, AZ, CA, DC, DE, FL, GA, ID, IL, IA, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NM, OH, OK, PA, RI, SC, TN, TX, VA, WV, WI & WY
Group Critical Illness Insurance:
Underwriting Insurance CompanyWindsor Life Insurance Company
Windsor Life Insurance Company is re-insured by Optimum Re.
Click on State Image to View Group Insurance Certificates.
For Claims Assistance:
- Group Critical Illness Insurance Claims
United Business Association Claims Unit
Windsor Life Insurance Company
1345 River Bend Dr Suite 100, Dallas, TX 75247
Claims for benefits shall be administered based on the Policy and/or Rider. A copy of the Policy and/or Rider is available upon request. Benefits are subject to the definitions, limitations, exclusions and other provisions within the Policy and/or Rider. For more information and complete details of the terms, conditions, limitations, defintions of a covered critical illness and exclusions of coverage, please refer to the Policy and/or Rider. Product features and availability may vary by state. For Group Critical Illness Insurance: 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.
If insurance is included in any Gap Plan, it is not basic health insurance or major medical coverage and does not qualify as minimum essential coverage under the Affordable Care Act. You must be a member of the United Business Association (UBA) to access and enroll in any Gap Plan that provides an insured benefit. Various insurance companies, as described, have issued group limited benefit insurance policies to the United Business Association as the group master policyholder. You must purchase UBA Membership in order to purchase this additional plan.
UBA Refund / Cancellation Policy
If you are not completely satisfied with your UBA Gap Plan, please call your Personal Member Concierge at 866.438.4274. We will be happy to issue a complete refund of membership dues within the first thirty (30) days. We want you to be 100% satisfied with your UBA Gap benefits and services.
Note: This membership is separate from any other insurance or supplemental plan you have purchased. Please contact your agent for any plans other than the UBA Gap Membership Plan. If you are canceling, please make sure to cancel using our cancellation phone number at 866.438.4274 or our cancellation form located at gapplusplan.com/billing.html. Please do not cancel through your agent. Cancel directly with GAP to make sure your cancellation request is handled promptly and correctly.