What Is Critical Illness Insurance?

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Home > Benefits > Supplemental Insurance (Life, Long & Short Term Disability, Accident, Etc.) > What Is Critical Illness Insurance?

Quick Answer
Critical illness insurance pays a lump-sum benefit if you are diagnosed with a covered serious illness.

What It Covers

Conditions such as cancer, heart attack, or stroke (per policy definitions)
Lump-sum payment can be used for any expense, including mortgage payments, treatment travel, or household costs
Includes a $50 annual wellness benefit

Why Employees Choose It

Helps manage the financial impact of major medical events that may disrupt work and income.

Important Plan Information

This article provides a general overview for educational purposes only. Official benefit definitions, eligibility requirements, coverage limits, exclusions, enrollment rules, and approval determinations are governed by the applicable insurance policy and plan documents. In the event of any discrepancy, the official plan documents and insurance carrier determinations control.

Disclaimer:
This article provides general information and guidance and may not address every situation or state-specific requirement. It does not create a contract, guarantee, or promise of any specific outcome. Company policies, practices, and legal requirements may vary by state and may change over time. This article does not replace or supersede applicable laws or official Company policies, handbooks, manuals, or training materials.

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