You don't have to enroll for medical coverage through MDLZ to elect Critical Illness Insurance. There are two coverage levels offered for you through Voya Employee Benefits (Voya):

• $15,000
• $30,000

The benefit is based on the coverage level you elect for yourself ($15,000 or $30,000), and the percentage that’s payable for the covered illness or condition (i.e., cancer, heart attack, stroke). Because certain covered illnesses and conditions pay a benefit that’s less than 100% of the coverage in effect, it’s important to review the Schedule of Benefits found in the certificate of coverage (access the certificate of coverage posted here).

Coverage is also available for your spouse/domestic partner and/or child(ren) at 100% of the coverage level you elect for yourself. Your cost—which you pay for on an after-tax basis through payroll deductions—depends on your age, coverage level, and who you cover.

You can use the benefit payment to help pay for items such as:

• Deductibles and copays
• Your mortgage or rental payments
• Travel expenses, for example if you’re receiving care in a different city
• Everyday expenses such as utility bills, electricity, groceries, and gas
• Lost income due to missed time from work

Wellness Benefit

A Wellness Benefit is included in your Critical Illness Insurance coverage. With the Wellness Benefit, you receive a $50 annual benefit payment if you complete an eligible health screening test on or after your coverage effective date—regardless of whether there’s any out-of-pocket cost to you. You may also receive a benefit payment if your covered spouse and/or child completes a health screening test on or after your coverage effective date.