Provided By
Guardian
Provider Website
https://www.guardianlife.com/critical-illnessinsurance
Customer Service
Critical Illness Insurance
You have the option to purchase critical illness insurance, which provides a fixed, lump-sum benefit upon the diagnosis of a serious illness like heart attack, stroke, or cancer. Benefits are paid directly to you and may be used for any reason from deductibles and prescriptions to travel expenses, childcare or other everyday expenses.
Benefits |
First Occurence |
Second Occurence |
|---|---|---|
Invasive Cancer |
100% |
100% |
Carcinoma in Situ |
30% |
0% |
Benign Brain Tumor |
75% |
0% |
Skin Cancer |
$250 per lifetime |
Not Covered |
Heart Attack |
100% |
100% |
Stroke |
100% |
100% |
Heart Failure |
100% |
100% |
Coronary Arteriosclerosis |
30% |
0% |
Organ Failure & Kidney Failure |
100% |
100% |
Addison's Disease |
30% |
0% |
Huntington's Disease |
30% |
0% |
Multiple Sclerosis |
30% |
0% |
ALS (Lou Gehrig's Disease) |
100% |
0% |
Parkinson's Disease |
100% |
0% |
Alzheimer's |
50% |
0% |
Coma |
100% |
0% |
Loss of Hearing, Sight, or Speech |
100% |
0% |
Permanent Paralysis |
50% for 1 limb; |
0% |
Severe Burns |
100% |
0% |
Childhood Conditions: Cerebral Palsy, Cleft Lip/Palate, Club Foot, |
100% |
0% |
Monthly EMPLOYEE Rates by age per $5,000 of Benefit |
Issue Age <30 |
30-39 |
40-49 |
50-59 |
60-69 |
70+ |
|---|---|---|---|---|---|---|
$5,000 Benefit Amount |
||||||
Employee: $5,000 |
$2.33 |
$3.18 |
$5.95 |
$11.18 |
$18.85 |
$32.08 |
Spouse: $2,500 |
$1.17 |
$1.59 |
$2.98 |
$5.59 |
$9.43 |
$16.04 |
$10,000 Benefit Amount |
||||||
Employee: $10,000 |
$4.65 |
$6.35 |
$11.90 |
$22.35 |
$37.70 |
$64.15 |
Spouse: $5,000 |
$2.33 |
$3.18 |
$5.95 |
$11.18 |
$18.85 |
$32.08 |
$15,000 Benefit Amount |
||||||
Employee: $15,000 |
$6.98 |
$9.53 |
$17.85 |
$33.53 |
$56.55 |
$96.23 |
Spouse: $7,500 |
$3.49 |
$4.77 |
$8.93 |
$16.77 |
$28.28 |
$48.12 |
Benefits |
|
|---|---|
Spouse Benefit |
50% of Employee lump sum benefit |
Dependent Age Limit |
26 years |
Child Benefit |
50% of Employee lump sum benefit |
Guarantee Issue |
Health questions are required if elected amount exceeds Guarantee Issue |
|---|---|
Employee |
Up to $15,000 |
Spouse |
$7,500 |
Child |
All Amounts |
Provided By
Guardian
Provider Website
https://www.guardianlife.com/critical-illnessinsurance
Customer Service