Underwritten by Life Insurance Company of North America
Administered by MWG Mestmaker & Associates

Highlights

• No waiting period and no age restrictions
• Pre-existing conditions do not apply with this plan
• This Critical Illness plan provides up to $20,000 Guaranteed Issue for members, up to $10,000 for spouse, and up to $5,000 for dependents if you apply within your initial eligibility period.
• Maximum Lifetime Limit is equal to the lesser of 5 times the elected benefit amount or $100,000 per covered person. (exclusions apply)
• Portability Conversion: Coverage will continue at the same benefit level as long as you retain your membership in HGEA.

More Details

• Pays a lump sum benefit direct to the insured, unless otherwise assigned, upon the date of diagnosis made after the coverage effective date, for each of the Covered Conditions listed on Summary of Benefits.
• Critical Illness Recurrence Benefit will be paid for the diagnosis of a subsequent and same Covered Condition that has already received a benefit payout under this policy after a 12-month separation period from the previous diagnosis, subject to the Maximum Lifetime Limit.
• This plan has limitations and exclusions. Please contact us for more info.

Underwritten by Life Insurance Company of North America
Administered by MWG Mestmaker & Associates

Highlights

• This group term life insurance program provides $200,000 Guaranteed Issue for members, up to $75,000 for spouse, and up to $10,000 for dependents if you apply within your initial eligibility period.
• Up to $500,000 of coverage may be purchased under this program for members.
• Portability Conversion: Cigna will contact you with options to continue coverage in the event you retire, or no longer meet the eligibility guidelines.

More Details

• All active members in good standing with the Hawaii Government Members Association, staff members, or Associate members, regularly working a minimum of 20 hours per week are eligible to participate.
• Up to $100,000 of common carrier coverage (when a fare-paying ticketed passenger on a plane, ship, train, or bus) included for members.
• Special living benefits, up to 75% of the insurance, may be paid if the attending physician indicates the insured has a terminal illness with less than twelve months life expectancy. This means that money can be received from this program at a time when funds are needed most.
• If you become totally disabled before age 60, premiums will be waived until you are no longer disabled, or you begin to receive retirement benefits, or you attain age 65.
• All amounts of insurance will reduce 35% at age 65, 55% at age 70, and 70% at age 75.
• This plan has limitations and exclusions. Please download the PDF below to view full plan information.

Member Paid Monthly Age Banded Rates

Plan Summary