Benefits at a Glance

Critical Illness is a policy that pays an immediate lump sum benefit upon diagnosis of a covered illness.
The policy is a supplement your medical plan designed as a limited benefit policy designed to help a family navigate back to health & work with a less stressful recovery.


Informational Website with Video

Rates are based on age at time of Policy Issue Date (January 1). Rates do not increase with age.

Covered Illness

Brochure of Benefits – Enhanced Critical Illness Plan!

Major Organ Module, Enhanced Cancer Module and Enhanced Quality of Life Module

  • Cancer in Situ (25%)
  • Coronary Artery Bypass (25% to 100%)
  • Benign brain tumor
  • Skin cancer (10%)
  • Bone Marrow transplant (25%)
  • Stem Cell transplant (25%)
  • Heart Attack
  • Stroke
  • End Stage Renal (Kidney Failure)
  • Coronary Artery Bypass (25%)
  • Coma
  • Major Organ Failure/Transplant
  • Permanent Paralysis
  • Multiple Sclerosis
  • Amyotrophic Lateral Sclerosis (ALS)
  • Parkinson’s Disease
  • Alzheimer’s Disease
  • Infectious Disease
  • Loss of Sight/Hearing/Speech
  • Huntingtons Disease
  • Muscular dystrophy
  • Infectious Disease (25% from 100%)
  • Addison’s disease (25%)
  • Myasthenia gravis (50%)
  • Systemic Lupus erythematosus (50%)
  • Systemic Sclerosis (scleroderma) (10%)
  • Occupational HIV or Hepatitis B/C
  • Type 1 diabetes
  • Severe Burns
  • Transient Ischemic attack (TIA) (10%)
  • Ruptured or dissecting aneurysm (10%)
  • Aortic Aneurysm: thoracic or abdominal (10%)
  • Open heart surgery for valve replace/repair (25%)
  • Transcath heart valve replace/repair (10%)
  • Coronory Angioplasty (10%)
  • ICD (implant or internal cardio defib) placement (25%)
  • Pacemaker Placement (10%)
  • Downs Syndrome
  • Congenital Birth Defects
  • Cerebral Palsy
  • Cystic Fibrosis Gaucher Disease Type 2 or 3
  • Infantile Tay Sachs
  • Niemann-Pick Disease
  • Pompe Disease
  • Type 4 Glycogen Storage Disease
  • Sickle Cell Anemia
  • Zellweger Syndrome

Wellness Benefit

Health screening tests include, but are not limited to:
  • Blood test for triglycerides
  • Pap smear
  • Flexible sigmoidoscopy
  • CEA (blood test for colon cancer)
  • Bone marrow testing
  • Serum cholesterol test for HDL & LDL levels
  • Hemoccult stool analysis
  • Serum Protein Electrophoresis (myeloma)
  • Breast ultrasound
  • Chest x-ray
  • Mammography
  • Colonoscopy
  • CA 15-3 (breast cancer)
  • Stress test on bicycle or treadmill
  • Fasting blood glucose test
  • Thermography
  • PSA (prostate cancer)

Plan Design

Brochure of Benefits – Informational Website including Claims Filing


3 X Payment for Each Covered Illness (including expanded benefit modules: Major Organ Module, Enhanced Cancer Module, Quality of Life Module)
12 month waiting between subsequent (same) diagnosis, 0 month between different diagnosis

All policies are Guarantee Issue for Employee, Spouse and Child coverage with no Pre-Existing limitation.

Employee must have coverage to elect coverage on the Spouse and/or children.

The elected lump sum benefit will be paid when a covered person has received diagnosis of one of the covered illness and the claim is filed. The policy will stay in force on the remaining covered family members. This allows additional benefits to be paid under the policy if other family members are diagnosed.

$100 will be paid annually as a Wellness Benefit when filed, and is included on Employee & Spouse Policies for wellness checkups.  A $50 Wellness Benefit is payable for Child(ren) for Child Coverage Wellness Checkups.

Certificate of Coverage

Certificate of Coverage with Enhancements

Review the Certificate for exact plan details, limitations, exclusions and definitions

Plan is insured by