Critical Illness Protection


Annual Enrollment

There will not be a premium increase or plan design change for the 2017 plan year. Critical Illness Protection Plan from UnitedHealthcare provides you with a lump-sum benefit that can help you pay medical expenses, offset lost income for you or your spouse or just help with everyday living expenses. Employees have the ability to enroll in this plan during Annual Enrollment without medical underwriting. If you currently have the Critical Illness Protection Plan, please remember to file for your wellness cash benefit.


What is Covered? 

  • Cancer 
  • Carcinoma in situ*


  • Heart attack 
  • Heart failure 
  • Ruptured Aneurysm 
  • Stroke 
  • Coronary artery bypass (25%)


  • Coma 
  • Chronic renal failure 
  • Paralysis 
  • Major organ failure 
  • Severe burns 
  • Severe brain damage

*Partial Benefit -- See Benefit Summary or Certificate of Coverage for specific  

Critical Illness Protection premiums are based on age-banded rates.

  • Premiums are deducted post-tax
  • Deductions are made the month prior to coverage effective date
  • Effective date is 1st of the month following a full month of employment

Guarantee Issue Limits*

Employee: $10,000 or $20,000

Spouse: $5,000 or $10,000

Child(ren): $2,500
*If you purchase coverage for yourself, you may buy coverage for your eligible dependents.  


Wellness Benefit

Wellness Benefit - $100 per year

*Claim Form in right side bar.

Health Screening Tests:

  • Mammogram
  • Colonoscopy
  • Chest X-rays
  • And more

Watch Now! Critical Illness Protection Brainshark: A customized multimedia presentation designed to inform and educate eligible employees about their UnitedHealthcare benefits. 


UnitedHealthcare Customer Service: 1-888-299-2070

Policy #303972

Visit unitedhealthcare



change benefits

*Critical Illness Insurance can only be added during Annual Enrollment or due to a qualifying event.

List of Qualifying Events

Modify/Change Personal Information (Name/Address)


how to file a claim

claim form

Wellness benefit claim form

coverage policy