State Bar of Wisconsin Critical Illness Insurance

State Bar of Wisconsin members who are 64 years old or younger may apply for up to $100,000 of coverage, in $10,000 increments, allowing you to select the right level of insurance protection for yourself. You can keep your coverage even if you change jobs, as long as you remain a member of the State Bar of Wisconsin. You can enroll your dependents only if you’re enrolled.

Spouse/Domestic Partner, through age 64, may elect up to $50,000, in increments of $5,000, but cannot exceed 50% of the member amount.^* Children, through age 26, $5,000 increments, but not more than the lesser of $15,000 or 50% of the member amount.

Footnote

^**Subject to state of residence.

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, there is no limitation in how you use your benefit payments. The money can be used for anything from 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 reoccurence benefit is a part of our standard offering and allows an insured to receive additional benefits for the second diagnosis of a previously covered condition, up to a maximum benefit amount.

The amount payable for a Reoccurrence of a Critical Illness or Procedure is 50% of the amount paid to the person for the First Occurrence of the Critical Illness or Procedure. All benefits are subject to the Lifetime Maximum Benefit below.

Reoccurrence of a Critical Illness or Procedure means:

• A person is positively diagnosed by a Doctor as having an additional occurrence or reoccurrence of a Critical Illness or Procedure for which a benefit was paid under this Coverage; and
• The date of the diagnosis of the additional occurrence or reoccurrence is more than 180 days after the date of such prior benefit payment.

Lifetime Maximum Benefit: No more than the Lifetime Maximum Benefit will be paid for all of a Covered Person’s Critical Illnesses or Procedures. The Lifetime Maximum Benefit for a Covered Person is 200% of the person’s Amount of Insurance.

The coverage is designed to help mitigate financial struggles when unexpectedly diagnosed with the following life-threatening conditions. All are subject to Lifetime Maximum Benefit of $200. The amount of insurance for skin cancer is $0.

A lump sum is paid to the policyholder if he or she is diagnosed with a specific illness stated on The Prudential Insurance Company of America's predetermined list.

There is a limit on the amount for which you may be insured without submitting evidence of insurability. This is called Guaranteed Issue Limit. Your Guaranteed Issue Limit is $20,000. The Guaranteed Issue Limit for Dependent Spouse, Civil Union Partner, or Domestic Partner Amounts is $10,000.