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Products / Worksite Insurance / Products / Critical Illness

Workplace Critical Illness is a limited benefit policy. It is not intended to replace major medical, medical expense or Medicare Supplement coverage. The Critical Illness policy does not meet the Minimum Essential Coverage Requirements of the Affordable Care Act.

Eligibility:

  • Employees and Spouses age 18 to 69
  • Dependent children age 0 to 191

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Benefit Amounts:

  • Employee Amount: $5,000 - $50,000
  • Spouse Amount: 50% of Employee Amount
  • Dependent Child Amount: 25% of Employee Amount

Employer’s choice of coverage options:

  • Base Plan Only
  • Base Plan Plus Cancer

Guaranteed Renewable to age 72

Optional Riders2

  • Cancer Critical Illness Benefit Rider3
  • Recurrence Benefit Rider
  • Cancer One Recurrence Benefit Rider3
  • Wellness Benefit Rider4

Please note, the applicant must attest that each insured under the Wellness Benefit Rider has medical coverage meeting the minimum essential coverage requirements of the Affordable Care Act.

1Dependent child coverage terminates at age 26.
2Not all riders are available in all states.
3The employer decides if the Cancer Critical Illness Benefit Rider will be offered to employees. If the employer chooses to offer the Base Plan Plus Cancer coverage, and the employee selects the Recurrence Benefit Rider, both the Recurrence Benefit Rider and the Cancer One Recurrence Benefit Rider will be attached to the policy.
4If the Accident Policy and Critical Illness policy are both applied for, the Wellness Benefit Rider will only be available on one policy.

Policy Form WC14, Voluntary Critical Illness Policy
Policy Form WSA07, Voluntary Accident Policy
Policy Form 8061, Cancer Critical Illness Benefit Rider
Policy Form 8062, Recurrence Benefit Rider
Policy Form 8063, Cancer One Recurrence Benefit Rider
Policy Form 9243, Wellness Benefit Rider

Not available in AK, CA, DC, HI or NY. Coverage and availability may vary in other states.

For costs and details of coverage, limitations, exclusions and terms, contact your Illinois Mutual agent or Illinois Mutual.

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