Critical Illness

What is Critical Illness Insurance?

A health and wellness plan in which you receive a lump sum cash payment if you are diagnosed with one of the specific illnesses on a predetermined list of critical illnesses. This Critical Illness Policy provides financial protection for you by paying a benefit if you are diagnosed with a critical illness. The amount you receive is based on the amount of coverage in effect on the date of diagnosis of a critical illness or the date treatment is received according to the terms and provisions of the policy. You also have the opportunity to have coverage for your spouse.

Plan Rules:

Eligibility: Eligible full-time and 49% employees (as described on eligibility page), spouse and unmarried children (up to age 26)
Coverage through UNUM
Elect Critical Illness with or without Cancer coverage based on you individual needs
Issue Age - Rates are locked in and will not increase with age
Underwriting health questions will be required
Keep your coverage, at the same cost, even if you retire or change employers
Children up to Age 26 are automatically enrolled in the Critical Illness Benefit if employee enrolls in CI
The chart below is a sample of covered services. Please see Plan Certificate for a detailed listing of services in their entirety.