Critical Illness
Plan Information
A critical illness such as stroke, heart attack, or Cancer could strike at any time, with no warning. You may think you’re covered with your existing Health Insurance, but you may not know that illnesses can bring out of pocket expenses that you don’t expect, including co-pays, deductibles, and transportation to treatment centers.
Serious illness is not only something many people experience, it’s an event with serious financial consequences. 9 out of 10 people know someone or have a family member who has a critical illness, and 62% of bankruptcies are the result of medical causes.1
Critical Illness Insurance offered at your workplace can help protect your savings so you can spend time getting better, not worrying about unexpected costs.
Good financial health and security begins with the benefits offered at your workplace. Take advantage of yours when it’s time to enroll.
Contact Information
Carrier: Guardian
Website: https://www.guardianlife.com/
Phone: Guardian Critical Illness Claims 1-800-541-7846; Guardian Benefits Hotline 1-800-600-1600
Eligibility: All employees (>20 hours)
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Employee may choose a lump sum benefit of $10,000 to $30,000 in increments of $10,000
Spouse: Up to 50% of Employee Benefit, Child: 25% of Employee Benefit
| BASE COVERED CONDITIONS | Illness | First Occurrence | Second Occurrence |
|---|---|---|---|
| Group 1 | Invasive Cancer | 100% | 100% |
| Group 1 | Carcinoma In Situ | 30% | 0% |
| Group 1 | Benign Brain Tumor | 75% | 0% |
| Group 1 | Skin Cancer | $250 per lifetime | Not included |
| Group 1 | Heart Attack | 100% | 100% |
| Group 1 | Stroke | 100% | 100% |
| Group 1 | Heart Failure | 100% | 100% |
| Group 1 | Arteriosclerosis | 30% | 0% |
| Group 1 | Organ Failure | 100% | 100% |
| Group 1 | Kidney Failure | 100% | 100% |
See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.
Critical Illness with Cancer and Infectious Disease** Rider
**Infectious Disease Rider benefit effective 10/1/2021 and not before that date.
