Critical Illness

Critical Illness Insurance pays a lump sum benefit directly to the insured, or whoever they choose, to help cover indirect, out-of-pocket expenses. It helps to keep the focus on recovery by alleviating some of the financial burden associated with these illnesses. Benefits are paid in addition to any other insurance coverage including group medical plans and Medicare.

The Critical Illness Wellness Benefit pays $100 per calendar year for the insured and an insured spouse, when a charge is incurred for one of the following covered cancer screening tests listed on page 3 of the brochure.

We offer two plans: One with Cancer Benefit or One without Cancer Benefit.

Covered Specified Diseases: 

  • Invasive Cancer (Only in the Cancer Benefit policy)
  • Heart Attack
  • Stroke
  • End-Stage Renal Failure
  • Major Organ Transplant
  • ALS (Lou Gehrig’s Disease)
  • Alzheimer’s Disease

Plan Highlights:

  • Second event benefit rider: may be eligible to collect a second benefit for the same specified disease; subject to exclusions listed in brochure.
  • Up to $50,000 in a lump sum benefit for employee
  • Up to $25,000 in a lump sum benefit for spouse and dependent children
  • Payroll Deducted Premiums
  • Portable – if you change jobs or retire you can keep coverage on a direct bill basis.

Click the links below for the brochures for each policy.

Critical Illness Insurance with Cancer Benefit

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Critical Illness Insurance without Cancer Benefit

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If you would like to sign up or learn more about this plan, please fill out the form to be contacted by a representative.

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