Being sick is no fun. And if it’s a major illness, it can have a major impact on life as you know it – emotionally, physically and financially. Critical Illness insurance can assist in making it all a lot easier. And while your health insurance will help cover medical expenses, it’s not going to help with those other household bills. Unfortunately, those don’t stop just because you’re ill. Critical Illness insurance can help.
Critical Illness insurance pays you a lump sum cash benefit when a covered illness is diagnosed. You choose the amount of coverage available at the time of enrollment. When you or a covered dependent are diagnosed with a covered illness while insured under the policy, a benefit is paid. You can use this payment in any way you choose, including:
Who is eligible?
Can I insure my domestic or civil union partner?
| Phone: 1-800-609-8504 |
| Hours M-F 6a-3p PT |
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| Email employerbenefitsinquiries.service@mercer.com |
To learn more, visit the links and download the educational PDFs provided. These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
| Critical Illness 2023 Plan Highlights |
| Critical Illness Insurance Flyer |
| Premium Sheet |
| Health Screening Flyer |
| How to File a Claim |
| Portability Form |
| LifeLime Financial Wellness Blog |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity.
What is Critical Illness insurance?
We’ll help you prepare for the unexpected. The Hartford partners with your employer to offer you voluntary benefits – what we call “voluntary insurance coverages.” Think of our plans as a safety net, ready to help you in tough times, like if you become sick. You can choose what you want by selecting the benefits that are right for your needs. And you’ll likely pay less than usual because you’re buying them through your employer’s group plan.
With Critical Illness insurance, you’ll receive a lump sum payment when a covered illness is diagnosed. You can use this payment in any way you choose, including expenses not covered by your medical insurance or day-to-day living expenses such as:
Why do I need it?
A major illness, such as cancer, a heart attack or stroke, can leave you emotionally, physically and financially overwhelmed. Critical Illness insurance can help:
When can I enroll?
You may enroll during any scheduled enrollment period, or within 31 days of the completion of any eligibility waiting period established by your employer.
When does this insurance begin?
Insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).
You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility), unless already insured with the prior carrier.
When does this insurance end?
This insurance will end when you or your dependent(s) no longer satisfy the applicable eligibility conditions, premium is unpaid, you are no longer actively working, you leave your employer, or the coverage is no longer offered.
Can I keep this insurance if I leave my employer or am no longer a member of this group?
Yes, you can take this coverage with you. Coverage may be continued for you and your dependent(s) under a group portability policy.
Your spouse may also continue insurance in certain circumstances. The specific terms and qualifying events for portability are described in the certificate.
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. © 2021 The Hartford.
THIS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
In New York: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
*Critical Illness is referred to as “Specified Disease” in New York
Critical Illness Form Series includes GBD-2600, GBD-2700, or state equivalent. Policy number [681987].
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