Critical illnesses are often unexpected and can result in unexpected financial strain. Critical illness benefits can relieve this strain with a lump sum payment to be used for any purpose the insured person desires. 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.


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


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.