Critical Illness

Complements Health Insurance

You can help employees prepare for the unexpected costs of a serious illness that's covered by the plan.

A major illness can lead to expenses that medical insurance doesn't pay for. Group Critical Illness insurance provides cash to employees diagnosed with a serious illness.

Gives Employees a Financial Cushion

Employees can use the money for whatever they need during treatment or recovery. They can pay for medical expenses like copays and deductibles. They can also put the money toward living costs like utilities, groceries and child care.

The plan covers employees' children at no extra cost. There are no diagnosis waiting periods or lifetime benefit maximums.

Key Features
Helps pay expenses not covered by medical insurance
Covers over 20 serious illnesses, plus 21 childhood illnesses
Covers 7 serious illness for New York customers
Guarantee Issue amounts up to $30,000
Pays lump sum to employees, not medical providers
Critical Illness Plan Options

Select, Enhanced and Premier
Three Benefit Levels
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Choose from three tiers of benefits: Select, Enhanced and Premier. Each level offers increasing payout amounts.

Add coverage providing an additional benefit for a repeat diagnosis.
Recurring Illness Benefit*
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Add coverage providing an additional benefit to employees who receive a repeat diagnosis that returns after a year without treatment.

* Not available in New York.

Your employees have the option to add their spouse.
Choice to Include Spouse
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Your employees have the option to add their spouse.

Employees and covered family members receive an annual cash benefit for participating in a wellness screening each year.
Health Maintenance Screening Benefit
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Pays yearly benefit for covered wellness screenings that can help prevent catastrophic illness by early detection.

Need a quick, easy way to explain Critical Illness insurance to your employees?

Here's a video on how Critical Illness insurance works.

 

Help your employees prepare for the unexpected.

Contact your insurance advisor to find out more about Critical Illness insurance. You can also call the employee benefits sales and service office for your area at 800.633.8575.

Legal

Critical Illness insurance is called Specified Disease insurance in the states of New York and Vermont.

This is a limited benefit policy that does not provide comprehensive health insurance coverage. Not all benefits are available in all states.

These products and coverages have exclusions, limitations, reductions of benefits and terms under which they may be continued in force or terminated. The amount of benefits provided depends on the policy selected. Premium will vary according to the selection made. Please contact The Standard for additional information, including costs and complete details of coverage.

Group Critical Illness Insurance underwritten by Standard Insurance Company is provided under policy form numbers: GP0614-CI, GP0614-CIw/GC0614-CI, GP0614-CI FL.

Group Specified Disease Insurance underwritten by The Standard Life Insurance Company of New York is provided under policy form number: GPNY0614-CI. This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

The Standard is a marketing name for Standard Insurance Company (Portland, Oregon), licensed in all states except New York, and The Standard Life Insurance Company of New York (White Plains, New York), licensed only in New York. Products and availability vary by state and are solely the responsibility of the applicable insurance company.

© 2021 StanCorp Financial Group, Inc.