LIVESTRONG Cancer Insurance Program

You are among the very first group of people to receive this opportunity to help protect yourself and your family with the new, multi-benefit LIVESTRONG Cancer Insurance Plan. This plan is underwritten by  American General Life Insurance Company of Delaware, and its selection by Voluntary Benefits Plan for inclusion in the benefits offered to APWU members reflects the hard work and research that goes into every membership program we offer.

The LIVESTRONG Cancer Insurance Plan is the only plan that offers survivor resources from Lance Armstrong Foundation. The Lance Armstrong Foundation (LAF) unites people to fight cancer, believing that unity is strength, knowledge is power and attitude is everything. We provide the practical information and tools people battling cancer need to live life on their own terms. We take aim at the gaps between what is known and what is done to prevent death and suffering due to cancer. We engage the public at large to pursue an agenda focused on preventing cancer, ensuring access to screening and care, improving the quality of life for people affected by cancer, and investing in needed research. Founded in 1997 by cancer survivor and champion cyclist Lance Armstrong, the LAF is located in Austin, Texas. For more information about this plan and the Lance Armstrong Foundation, visit www.livestrong.com .

This outstanding cancer recovery plan represents a ray of hope for anyone diagnosed with invasive cancer. As you'll see in the outline of coverage, this plan offers a lump-sum payment and a wide scope of hospital and preventive care benefits designed to help you live long and stay strong.

1. $3,500.00 IMMEDIATE CASH BENEFIT
A first diagnosis cash benefit will pay you $3,500.00 if you or your insured spouse is diagnosed with any type of invasive cancer. This money can be used to cover expenses or treatment options your basic insurance plan won’t cover ... to help run your household if your illness prevents you from working ... or in any other way you see fit. (Under the basic plan, $2,500.00 is paid.)

2. IN-HOSPITAL BENEFITS

• Hospital Confinement … up to $200.00 a day for a maximum of 180 days (Basic Plan pays up to $100.00 a day.)
• Intensive Care Unit Confinement … up to an additional $200.00 a day for up to 30 days (Basic Plan pays up to an additional $100.00 a day.)
• In-Hospital Nursing Services … up to $100.00 a day for actual charges
• In-Hospital Physician’s Visits … up to $50.00 helps pay admitting doctor’s fee

• Surgery (other than skin cancer) … up to $3,000.00 - Collect 100%, up to $3,000.00 per surgery. (Basic Plan pays up to $1,500.00.)
• Skin Cancer Surgery … up to $600.00
  - biopsy … up to $100.00
  - excision of lesion of skin without flap or graft … up to $250.00
  - flap or graft without excision … up of $375.00
  - excision of lesion of skin with flap or graft … up to $600.00
  
• Second Surgical Opinion … up to $250.00 of actual charges
• Ambulatory Surgical Center … up to $250.00 of actual charges
• Anesthesia … 25% of surgery benefit
• Stem Cell Transplant … actual charges up to $2,500.00 lifetime limit
• Bone Marrow Transplant … up to $10,000.00 - Collect up to $10,000.00 of actual charges as an in-patient, up to $5,000.00 as an out-patient. ($10,000 lifetime maximum)

• Hospice Care … up to $100.00 a day - Collect actual charges up to $100.00 per day for the first 60 days of confinement, $75.00 a day thereafter.
• Home Health Care Nursing Services … up to $2,500.00 a year - Collect actual charges up to $100.00 per day, up to $2,500.00 per calendar year.
• Skilled Nursing Facility Confinement … up to $100.00 a day - Collect actual charges of up to $100.00 per day, limited to the number of days paid for the immediately preceding hospital confinement.

• Transportation to non-local hospital … up to $1,000.00
  When traveling by aircraft, railroad or bus, collect up to $200.00 per round trip for a $1,000.00 lifetime maximum. Collect up to $0.45 per mile for round-trip transportation by private automobile up to a $1,000.00 lifetime limit.
• Ambulance … up to $500.00
  Collect actual charges up to $250.00 per trip, up to $500.00 per period of confinement.
• National Cancer Institute Evaluation/Consultation … up to $500.00
  Collect up to $500.00 for evaluation/consultation and another $250.00 for transportation and lodging. (Basic plan pays up to $250.00 for evaluation/ consultation and another $250.00 for transportation and lodging.)

• Anti-Nausea Medication … actual charges up to $100.00 a month
• Blood and Plasma Benefits … up to $3,000.00
  Collect actual charges of up to $3,000.00 lifetime maximum as an in-patient … up to $300.00 lifetime maximum as an out-patient.
• Experimental Treatment … actual charges up to $300.00 per day
  Not payable on same day that radiation or chemotherapy benefit is payable.
• Radiation and Chemotherapy … up to $1,200.00 a month
  Collect actual charges of up to $1,200.00 per month. (Basic Plan pays up to $600.00 a month.)
• Health Screening … up to $100.00 per calendar year
  One test per year for all insured's for cancer/cardio/diabetes.
• Lodging … up to $75.00 a day
  Paid for a maximum of 60 days per calendar year for union member and any immediate family member.
• Prosthesis … up to $3,000.00
  Collect actual charges of up to $3,000.00 for surgically implanted prosthesis, up to $300.00 for non-surgically implanted prosthesis.

• GUARANTEED ACCEPTANCE
  As an APWU member, if you are age 18 through 69, and are actively working 20 or more hours per week and have worked 90 consecutive days or are engaged in the usual activities of your age and sex, you cannot be turned down for this valuable cash protection. No medical exam is required. No health questions asked. Your acceptance is guaranteed. (Pre existing conditions limitations may apply). Coverage will become effective following the date the person’s enrollment form is received by the Company, provided the required premium is paid. An Insured Dependent’s coverage will become effective on the Insured’s effective date of insurance. Coverage under the Policy ends on the earliest of: (1) the date the Policy is terminated; (2) the premium due date if premiums are not paid when terminated; (3) attainment of age 80; (4) the date the Insured requests, in writing, that his/her coverage be terminated; (5) the date the Insured ceases to be eligible for coverage under the Policy. An Insured Dependent’s coverage under the Policy ends on the earliest of: (1) the date the Insured’s coverage ends; (2) the premium due date if premiums for the Insured Dependent are not paid when due; (3) attainment of age 80; (4) the date the Insured requests, in writing, that coverage for the Insured Dependent be terminated; (5) the date the Insured Dependent ceases to be an Eligible Dependent.
• CASH DIRECT TO YOU
  Each cash benefit you collect is sent directly to you unless you direct otherwise. And it’s paid in addition to anything you collect from any other insurance company.
• NO DEDUCTIBLES
  Collect full cash benefits from day one. With the LIVESTRONG Cancer Insurance Program, there is never a deductible or co-payment.
• COVERAGE FOR YOU … AND YOUR FAMILY!
  This insurance protection is available to both you … and your family. One additional premium amount covers your spouse and all your dependent children under age 23 (25 if a full-time student). (Subject to state variations.)
• YOUR CHOICE OF TWO PLANS
  Choose our Preferred Plan to collect the highest benefit amounts. Or, if you prefer, the Basic Plan is also available.
• ECONOMICAL GROUP RATES
  Because this coverage is being offered to the APWU membership, it is available at group rates — rates significantly lower than those available on an individual basis. For your convenience, your economical premiums will be automatically deducted from your paycheck.

  	Preferred	Basic
  Member	$13.37*	$9.22*
  Family	$23.06*	$17.06*
  *Rates are per pay period.

• 30-DAY FREE LOOK
  When you receive your Certificate of Insurance, you’ll have a full 30 days to review it in the privacy of your own home without any sales pressure. If you decide this coverage is not for you, just return your certificate. Any premium paid will be refunded in full. There is no obligation. Your coverage will become effective on the date shown on your certificate providing your premium has been paid.

Benefits under this policy are not payable in connection with a pre-existing condition during the initial 12 consecutive months the insured person has been enrolled for coverage under this policy. A critical illness resulting from a pre-existing condition commencing thereafter will be covered unless otherwise excluded by this policy.

A pre-existing condition means an injury or sickness for which you incurred charges, received medical treatment, consultation, care or services, including diagnostic measures, took prescription drugs or medicines, or had symptoms for which an ordinarily prudent person would have consulted a physician during the 12 months immediately preceding the coverage effective date under this policy.

Exclusions
This policy does not cover any loss caused in whole or in part by, or resulting in whole or in part from, the following: suicide or intentional self inflicted injury or sickness, while sane or insane; being under the influence of an excitant, depressant, hallucinogen, narcotic, other drug, or intoxicant including those taken as prescribed by a physician; commission of or attempt to commit an assault or felony; engaging in illegal activity or occupation; voluntary participation in a riot; any illness, loss or condition specifically excluded from the definition of any critical illness; war, whether declared or not; balloon angioplasty, laser relief of an obstruction, and/or other intra-arterial procedure.


This coverage is for Cancer Only. It is a limited policy and is not designed to pay for all medical costs associated with the disease of cancer. 

LIVESTRONG Cancer Insurance, available to you as a member of the American Postal Workers Union, is the only plan of its kind that offers to connect you with the resources provided by the Lance Armstrong Foundation. Benefits are paid directly to you, to cover any expenses. Use your benefits to help pay insurance co-pays and deductibles for hospitalizations and required surgeries, treatments not covered by your health insurance, in-home nursing care, travel and lodging expenses, or other costs. Not limited by other coverage You’ll receive benefits, no matter what other health insurance you have. Long-term coverage Once enrolled, you can keep this coverage until you reach age 80. Insurance protection for your whole family You may also enroll your spouse under age 69 and dependent children under age 23, or age 25 if a full-time student (subject to state variations). Convenient payroll deduction and economical group premiums

Simply choose the right plan for you and your family:

Simply complete the enrollment form authorizing payroll deduction.  Click here  for an enrollment form. Please make sure you complete all the information requested. An incomplete application will be returned, resulting in a delay in processing your application.

Any Questions?
Call the following toll-free number
1-800-422-4492
Monday through Friday between 8:30AM and 5:00PM EST.
(T.D.D 1-203-754-4410)

Administered By
The Voluntary Benefits Plan
P.O. Box 1471
Waterbury, CT 06721

Phone: 1-800-422-4492
Fax: 1-203-754-7847