Coverage is available for American Bar Association (ABA) members and their spouse or domestic partner as long as they're under age 75. Plus dependent children (up to age 26) are eligible.

The maximum policy issue age for coverage is 69 for members and their spouse or domestic partner and 25 for children.

You can choose a benefit amount between $5,000 and $40,000 (in increments of $5,000), and your spouse or domestic partner can apply for the same, up to 100% of the members' benefit amount. Your dependent children, up to age 26, can get coverage between $2,500 and $20,000 (in increments of $2,500), up to 50% of the members' benefit amount.

No, your acceptance is guaranteed! There is no medical exam and no medical questions; you can enroll quickly and easily in as little as 5 minutes.

Critical Illness benefits are payable when you are diagnosed with a covered illness, not when treatment starts. Most claims are paid within seven business days to help ensure you'll have funds when you need them.

Critical Illness benefits are paid in a lump-sum.

Member coverage ends when the member:

• Reaches age 75
• Is no longer a member of the eligible class
• Stops making contributions
• Reaches the Lifetime Maximum Benefit
• Passes away
• Master Policy Terminates

Dependent coverage ends when your:

• Spouse/domestic partner reaches age 75
• Dependent child reaches age 26
• Dependent reaches their Lifetime Maximum Benefit
• Dependent ceases to be a qualified dependent
• Member coverage ends

There are no exclusions for preexisting conditions. You can get 100% of the benefit amount for the first occurrence of a covered critical illness, up to the Lifetime Maximum Benefit. If you're diagnosed with a recurrence of that same condition within 180 days of a benefit payment, benefits may be subject to an annual limit. However, you'll still be covered if you're diagnosed with a separate covered condition.