Critical Illness Insurance

You can protect yourself from the unexpected costs of a serious illness.

Even the most generous medical plan doesn’t cover all of the expenses of a serious medical condition like a heart attack or cancer. Critical Illness Insurance pays a full lump sum benefit directly to you if you are diagnosed with a covered illness. The benefit is paid in addition to any other insurance coverage you may have. You can choose to elect $10,000, $20,000, $30,000 or $40,000 in coverage.

  • Heart Attack
  • Stroke
  • Cancer
  • End Stage Renal (Kidney) Failure
  • Major Organ Transplant
  • Parkinson's Disease
  • Alzheimer's Disease
  • COVID-19*


The policies/certificates of coverage or their provisions, as well as covered illnesses, may vary or be unavailable in some states for supplemental medical benefits. The policies/certificates of coverage have exclusions and limitations which may affect any benefits payable.

*The coverage pays 25% of the face amount of the policy once per lifetime for COVID-19.

  • Guaranteed Issue - There are no health questions or physical exams required


  • Family Coverage - Spouse and children can elect 50% of the employee selection.


  • Portable Coverage - You can take your policy with you if you change jobs or retire.


  • Health Screening Benefit - Provides a $100 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as a physical exam, total cholesterol blood test, mammogram, lipid panel, COVID immunization and more.


See the product brochure, certificate of coverage and any applicable riders for a complete list of covered conditions, along with complete provisions, exclusions and limitations.


These insurance benefits are not sponsored or endorsed by ATD and are voluntary benefits that are not subject to ERISA.

Critical Illness can be canceled at any time. However, to add or make other changes to your coverage during the year outside of open enrollment you need to have a qualifying life event.

Visit Workday Help to learn more about qualifying life events and how to submit a request.

Visit MyCigna.com. download the Mobile App, call 1-800-754-3207 Monday - Friday 8:00 am - 8:00 pm ET, or email SuppHealthClaims@Cigna.com to initiate your claim. To file a claim for your Health Screening Benefit you will need to provide the date of service, type of visit, name of doctor, location address, and phone number.

Critical Illness Benefit Summary Cigna

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