Critical Illness Insurance

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

Critical Illness Insurance, administered by Reliance Standard, is designed to protect your income and personal assets when your out-of-pocket expenses increase as a result of an illness. Health insurance is not always enough to cover all of the unforeseen expenses associated with a serious medical condition like a heart attack or cancer. Critical Illness Insurance pays a lump sum benefit that can be used any way you choose, and benefits are paid in addition to any other insurance you may have. You do not have to be terminally ill to receive benefits.


You may choose a benefit amount from $5,000 to $40,000 in $5,000 increments for yourself and your spouse (spouse coverage not to exceed 100% of the employee amount).

COVERED ILLNESSES

PAYMENT PERCENTAGES

Invasive Cancer

100%

Heart Attack

100%

Stroke 

100%

Major Organ Transplant

100%

Coma

100%

Paralysis

100%

Additional conditions are also covered. See plan documents for a full list.

Plan Features

  • Guaranteed Acceptance: There are no health questions or physical exams required.
  • Family Coverage: You can elect to cover your spouse and children.
  • Wellness Benefit: The plan pays a $50 benefit for one covered health screening test per covered member, up to a maximum of four benefits per family per year. Covered health screening tests include diagnostic procedures, routine exams, immunizations, COVID-19 tests, and more.
  • Portable Coverage: You can take your policy with you if you change jobs or retire (with certain stipulations).


The cost of the benefit varies depending upon factors such as your age, whether you use tobacco, and the dependent coverage you choose.


For information about costs and claims, please call 1-800-866-2301 or visit www.reliancestandard.com.

HOW CRITICAL ILLNESS INSURANCE WORKS

When Marco had a heart attack, he was grateful his doctors were able to stabilize his condition. He learned there was some permanent damage to his heart. He began to see his costs adding up quickly. The good news is Marco received a lump sum payment of $10,000 to help cover these expenses from the Critical Illness coverage he elected during Open Enrollment.