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Studies show an increased chance of developing a critical illness in one's lifetime.* So critical illness coverage is an important part of any employer's benefit offering. Critical illness benefits can help supplement any medical coverage, including high-deductible and consumer-directed plans.
What is a Critical Illness benefit?
Often referred to as living benefit, critical illness benefits help protect individuals and families from financial impact if they become critically ill.
How does it work?
If your employee is diagnosed with one of 10 critical illnesses, he or she will receive a lump sum payment to help pay for expenses from daily living expenses to medical bills. Full payment is made at the time of diagnosis.
Benefits may be paid up to three times, once in each category below1 and the same coverage is available for the employee's spouse and children.2
Carcinoma in Situ (25%)
Coronary Artery Bypass (25%)
Other critical illnesses
Chronic Renal Failure
Major Organ Failure
Severe Brain Damage
Funding options to fit your budget
You can choose to pay all, some or none of your employees' premiums. Many employers pay the base plan at 100%, offering employee buy-up options
Additional support at no extra cost
Here's a good reason to purchase both your medical and critical illness plans from UnitedHealthcare. When you do, we provide extra support and resources to your employees diagnosed with a critical illness through a program called the Integrated Medical and Critical Illness Management (IMCIM) program.
Bridge2Health, our integrated approach to employee benefits, allows us to leverage a wide range of data to identify and then reach out to at-risk members with education, programs and services that help them achieve the best health possible. When employees are healthy, your business can be, too, with lower costs, reduced absenteeism and greater productivity.
*2010 Heart and Stroke Statistical update, American Heart Association; 2010 Cancer Facts and figures, American Cancer Society.
1 Lump-sum payments are 100% of the coverage amount unless otherwise noted as a partial benefit. Partial benefits allow the remaining coverage to be paid for another covered illness in that benefit category. Subject to medical verifications and conditions as defined in the policy.
2 If spouse and/or child(ren) coverage is offered as part of the plan.