Critical Illness Insurance

Critical illness insurance, which is offered through Colonial Life, provides a lump-sum benefit to help cover the following if you or a family member suffer a heart attack, stroke, or other illness:

• Deductibles, co-insurance, and out-of-pocket expenses;
• Lost income;
• Home health care needs;
• Rehabilitation; 
• Travel and lodging; and
• Child care.

This product is Guarantee Issue and pays the insured a lump sum benefit in the event that the insured has a covered critical illness.  The covered Illnesses include but are not limited to heart attack, stroke and major organ failure. 

The benefit amounts employees can choose from are $10,000 or $30,000.  The benefit is paid directly to the insured and can be used for medical or non-medical related expenses one might encounter as a result of going thru one of the covered medical events. 

The policy can be purchased for employee, employee plus spouse, one parent family or two-parent family.  This coverage includes a 12-month, pre-existing conditions clause. 

For more information

• Contact the Premier Worksite Solutions Benefit Counselor Call Center at (844) 235-0092 for questions and/or to enroll in this coverage, or
• Contact Jodi Skaggs with Premier Worksite Solutions for questions at jskaggs@pwsal.com or (205) 588-2604.