Critical Illness

Critical Illness  

Overview

Experiencing a critical illness can be devastating to you, your family and your finances. The Critical Illness Protection Plan is designed to help ensure that should you or a covered family member be diagnosed with a covered critical illness- including heart attack, stroke and cancer- you’ll get a cash payment to use any way you want.

The money is yours to use, for items such as out-of-pocket health plan costs, mortgage or rent, groceries, prescriptions, treatment by a specialist or transportation to and from treatment.

Tell Me More

You can choose a lump sum benefit up to $20,000 for Associate, $10,000 Spouse* and/or $10,000 Child(ren)*.

  • The plan covers 12 conditions, including heart attack, stroke and cancer. 22 conditions are covered under the partial benefit rider such as cerebral palsy, muscular dystrophy and tuberculosis.
  • Your benefit is paid directly to you.
  • Your premium is conveniently deducted from your paycheck.
  • You may port your coverage if you leave your employer (certain restrictions apply).
  • Who is eligible?
    • All active, full-time associates working a minimum of 33 hours per week.
    • All part-time associates working 16-32 hours per week.

 

Explore your supplemental health plans guidebook here.

 

*Associate must purchase coverage in order to purchase dependent coverage.

Enrollment

Add group critical illness insurance coverage to help offset costs that may not be covered under your employer's existing medical plan.



How It Works

Checked box paperwork icon Step 1 icon

You enroll in the Critical Illness Protection Plan

Ambulance icon Step 2 icon

You have a Critical Illness such as a heart attack or stroke. Your health insurance pays its share of the cost

Bills icon Step 3 icon

You are treated and recovering – but now the bills are starting to add up:

  • • Groceries
  • • Mortgage/rent
  • • Transportation costs
  • • Deductibles
  • • Copays

Payment icon Step 4 icon

A lump-sum payment for your covered injuries will provide additional money to help pay for everyday living expenses, deductibles, or copays

Contact Us

 Benefit and Claim Questions:
1-866-556-8298

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • Who is the provider?

    This plan is provided by UnitedHealthcare Insurance Company
  • How can this help me?

    Enrolling in a UnitedHealthcare Critical Illness Protection Plan helps give you and your family more financial security if you or a covered family member is diagnosed with a covered illness.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's benefits enrollment period or if you have a qualifying life event.
  • What if my employment status changes?

    Employees may enroll or change insurance within 31 days of a change in family status. This includes certain changes in employment status that affect benefits eligibility for the covered person, spouse or child, such as termination of employment, a strike or lockout, the start of or return from unpaid leave of absence, a change in worksite, and/or a change in work schedule (between full-time and part-time work, decrease or increase in hours).

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.