This packet contains the forms necessary to apply for Critical Illness Benefits. Every space on these forms should be filled in to avoid delay in processing your application. If a section does not apply, or information is not available, write "NA" in the space so that we know you did not overlook that particular question. If a form is received incomplete, it may be returned for completion. For specific information about your Critical Illness insurance coverage, refer to your group insurance certificate. The group policy and certificate are the ultimate authority for Critical Illness claim decisions.