Frequently asked questions
Critical illness insurance works to complement your medical coverage—and pays in addition to what your medical plan may or may not cover. It’s coverage that provides financial support when you or a loved one becomes seriously ill. Upon diagnosis, it provides you with a lump-sum payment of $10,000, $20,000 or $30,000 in initial benefits. The total benefit amount available is 5 times that of the initial benefit amount, which is $50,000, $100,000 or $150,000, in the event that you or a loved one experience more than one covered condition. The payment you receive is yours to spend however you like.
If you meet the group policy and certificate requirements, critical illness insurance provides you with a lump-sum payment upon diagnosis of these conditions:
- Full Benefit Cancer1
- Stroke2
- Alzheimer’s Disease4
- Partial Benefit Cancer1
- Kidney Failure
- Major Organ Transplant
- Heart Attack
- Coronary Artery Bypass Graft3
- 22 Listed Conditions5 (see your Outline of Coverage for details)
Your plan pays an additional benefit (Recurrence Benefit) if a medical condition reoccurs for: a Heart Attack, Stroke, Coronary Artery Bypass Graft, Full Benefit Cancer, and Partial Benefit Cancer. A recurrence benefit is only available if the initial benefit has already been paid for the covered condition. And there is a benefit suspension period (or waiting period) between recurrences.6
Yes, you can enroll both yourself and your eligible family members.7 All you need to do is enroll during the enrollment period and be actively at work.
One of the hardest parts of managing illnesses like Cancer, Heart Attack, or Stroke is providing the support and comfort your family needs beyond the cost of care. Even the best medical and disability income plans can leave you with extra expenses to pay or services that just aren’t covered. Things like medical plan deductibles and copays, or extra costs for out-of-network care. And if you’re out of work because of a disability, it might be that only some of your income is protected. The average family spends thousands of dollars in times of critical illness and recovery.8 Many people aren’t prepared to handle these extra costs, so having this extra financial support when the time comes may mean less worry for you and your family.
Yes. Your critical illness coverage is guaranteed,9 regardless of your health. You just need to be actively at work to be covered. There are no medical exams to take and no health questions to answer, so the whole process might be easier than you first thought.
Yes. Early detection of a serious illness is important to your recovery. We provide you with an extra $50 annual benefit per calendar year on top of your total benefit amount when you see your physician for eligible health screenings or prevention measures.10
It’s easy to pay premiums through payroll deductions, so you never have to worry about writing a check or missing payments.
Critical illness insurance may cost less than you think. It’s designed to be an economical way to supplement your health care and disability plans. For detailed information on plan cost:
- Call (877) 755-7480, Ext. 2001, 7/9-7/27, M-F 8:00 am - 8:00 pm EDT; or
- Go to the self-service enrollment platform by clicking on the ‘enroll’ tab.
Benefits will be paid directly to you, not to the doctors, hospitals or any other health care providers. There’s no need to work it around any other any other insurance you may have. Benefits are paid no matter what your other insurance plans may cover.
Yes. This coverage is portable, meaning you can take it wherever you go. Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.11