Critical Illness


Critical Illness Insurance pays a lump sum benefit directly to the insured, or whoever they choose, to help cover indirect, out-of-pocket expenses. It helps to keep the focus on recovery by alleviating some of the financial burden associated with these illnesses.  Benefits are paid in addition to any other insurance coverage including group medical plans and Medicare.  The Critical Illness Wellness Benefit pays $100 per calendar year for each covered person when a charge is incurred for one of the following covered cancer screening tests: mammogram, Pap smears, flexible sigmoidoscopy, PSA (prostate specific antigen tests), chest x-rays, hemocult stool specimen, ultrasounds, CEA (blood test for colon cancer), CA 125 (blood test for ovarian cancer), thermography, colonoscopy, serum protein electrophoresis, bone marrow testing, and blood screening. 


Subsequent Critical illness Benefit


If you are diagnosed for the first time with a subsequent and separate covered critical illness more than 60 days after the first one, you will receive the Subsequent Specified Disease Benefit amount, up to $100,000 based on the benefit amount.  

 Benefits for: 

         Invasive Cancer                                     Major Organ Transplant                            

Heart Attack                                           Coronary Artery Disease                          

Stroke                                                      Carcinoma in situ

End-Stage Renal Failure                      Skin Cancer


 Plan Highlights

 Guaranteed Issue up to $20,000 of coverage.

  • Payroll Deducted Premiums
  • Portable if you change jobs or retire you can keep coverage on a direct bill basis.
  • The Lance Armstrong Foundation provides a guidebook with information on other SurvivorCare resources.  Includes confidential, one-on-one bilingual counseling, information on clinical trial matching, new treatments in development, and referrals to local resources.