Critical Illness Insurance

Understanding Your Coverage

• Choose your coverage amount: You can choose $10,000, $20,000, or $30,000 for yourself. You can also enroll your spouse, domestic partner, or dependent children for 50% of your coverage amount.
• Receive a lump-sum payment: The benefit is paid directly to you after a covered diagnosis.
• Use the benefit where you need it most: You can use the money for medical expenses, living expenses or other costs while you recover.

How Does Critical Illness Insurance Work?

Critical Illness insurance provides a lump-sum cash benefit when you or a covered family member is diagnosed with a covered serious illness. You can choose from three coverage amounts, and your spouse or domestic partner and dependent children can receive up to 50% of your coverage amount.

The cash benefit is paid directly to you, and you can use the money however you choose, including for medical expenses, travel for treatment, mortgage or rent, or everyday living expenses.

Understanding Your Coverage

• Choose your coverage amount: You can choose $10,000, $20,000, or $30,000 for yourself. You can also enroll your spouse, domestic partner, or dependent children for 50% of your coverage amount.
• Receive a lump-sum payment: The benefit is paid directly to you after a covered diagnosis.
• Use the benefit where you need it most: You can use the money for medical expenses, living expenses or other costs while you recover.

What Does Critical Illness Insurance Cover?

Critical Illness insurance can provide benefits for a range of serious illnesses and conditions. Here are some commonly covered conditions and benefit amounts:

• Heart attack: Up to 100% of coverage amount
• Cancer: Up to 100% of coverage amount, depending on the type
• Stroke: Up to 100% of coverage amount
• Major organ failure/transplant: Up to 100% of coverage amount
• Advanced Alzheimer’s disease: Up to 100% of coverage amount

Refer to your plan document to see a full list of covered conditions and benefit amounts. Please note: You must be actively at work on the day your coverage takes effect.