Understanding Benefits:
What is Critical Illness Insurance?

Critical Illness Insurance pays you a lump sum benefit in the event that you or your spouse are diagnosed with an illness like cancer, stroke or heart attack.

When you elect Critical Illness, you choose a dollar amount– for example, $5,000 or $10,000, and that is the amount that will be paid to you or a covered dependent if you are diagnosed with a critical illness that is covered by your plan. Critical illness coverage generally costs less if you purchase it through your employer, rather than on your own. No one wants to consider the possibility of getting a critical illness, but by purchasing this insurance, you can minimize the financial impact on you and your family.

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