Heart Attack / Heart Failure | Coronary Artery Disease ( Bypass ) 100 % | 50 % Invasive Cancer ( Leukemia , Multiple Myeloma ) | Carcinoma In Situ | Bone Marrow Failure 100 % | 30 % | 100 % Organ Failure 100 % Stroke - Moderate | Stroke Severe | Transient Ischemic Attack ( TIA ) 50 % | 100 % | 10 % Blindness and / or Deafness 100 % Amyotrophic Lateral Sclerosis ( Lou Gehrig ’ s Disease ) 100 % Benign Brain Tumor 100 % Alzheimer ’ s Disease | Multiple Sclerosis ( MS ) | Parkinson ’ s Disease - Early Stages 50 % Alzheimer ’ s Disease | Multiple Sclerosis ( MS ) | Parkinson ’ s Disease - Advanced Stages 100 % Crohn ’ s Disease | Lupus | Ulcerative Colitis 30 % Childhood Illness - Type 1 Diabetes | Down Syndrome | Autism | More 100 % of Child Benefit Skin Cancer $ 250 Annual Cancer Screening Benefit for Employee and Covered $ 125 / Year * Spouse & Child ( ren ) * Must Complete Annual Wellness Screenings or Procedures Age Employee Spouse < 30 $ 7 . 00 $ 7 . 00 30 - 39 $ 10 . 50 $ 10 . 50 40 - 49 $ 17 . 50 $ 17 . 50 50 - 59 $ 31 . 50 $ 31 . 50 60 - 69 $ 51 . 00 $ 51 . 00 70 + $ 85 . 50 $ 85 . 50 CRITICAL ILLNESS The Guardian Group Critical Illness Plan reduces the financial risk of a covered serious illness . It pays out directly to YOU , which can help cover your deductible and other out - of - pocket costs . When first eligible , no exams or blood tests are required , and coverage is 100 % portable . Benefits are paid directly to you — or anyone you choose — on top of any other insurance . Description of Benefits Plan Pays Percentage of $ 10 , 000 Benefit 51 Covered Illnesses & Disorders – Please refer to the Benefit Brochure Annual Wellness Benefit = $ 125 . 00 * for Employee and Covered Spouse & Child ( ren ) Spouse Benefit = 100 % of Employee Benefit Child Benefit = 25 % of Employee Benefit Child Benefit Cost is Included in Employee Premium Premium Increases with Employee Age Monthly Premium for $ 10 , 000 Benefit * Critical illness plans include a wellness benefit paid after certain preventive care , such as mammograms , Pap smears , PSA , colonoscopies , blood tests , and EKG screenings .