Critical Illness Plan

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Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. You can use this money however you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home health care costs or any of your regular household expenses. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Changes to enrollment can only be made at open enrollment or with a qualifying life event.



Examples of Covered Conditions:

  • Heart attack
  • Cancer
  • Stroke
  • Major organ transplant
  • Coronary artery bypass (25%)
  • Carcinoma in situ (25%)
  • Benign brain tumor
  • Bone marrow transplant (25%)
  • Stem cell transplant (25%)
  • Type 1 diabetes
  • Severe burns
  • Transient ischemic attacks (TIA) (10%)
  • Aneurysm (10%)
  • Open heart surgery for valve replacement or repair (25%)
  • Transcatheter heart valve replacement or repair (10%)
  • Coronary angioplasty (10%)
  • Implantable cardioverter defibrillator (ICD) placement (25%)
  • Pacemaker placement (10%)
  • Permanent Paralysis
  • Loss of sight, hearing or speech
  • Coma
  • Multiple Sclerosis
  • Amyotrophic lateral sclerosis (ALS)
  • Parkinson’s disease

All coverage amounts are Guaranteed Issue, so there are no medical questions or tests required for coverage. Pre-existing condition exclusions may apply. Coverage is portable if you leave or retire. If you enroll in Critical Illness Insurance coverage, you also have access to a $50 Wellness Benefit, which provides an annual benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to encourage you to maintain a healthy lifestyle, since the tests screen for a wide range of potential illnesses and diseases.


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