Voluntary Group Critical Illness Benefit

Devastating Illness Happens More Often Than We Think

  • The American Cancer Society predicted about 1,529,560 new cancer cases would be diagnosed in 2010.1
  • Approximately every 34 seconds, an American will have a heart attack.2
  • On average, every 40 seconds, someone in the United States has a stroke.2

The cost of recovering from a critical illness can be financially devastating. Many employers could be faced with increasing major medical deductibles and coinsurance limits, which means higher out-of-pocket costs for employees when they suffer a critical illness—and need their benefits most. In addition to lost wages, employees can face these expenses:

  • Deductibles and coinsurance
  • Travel to and from treatment facilities
  • Lodging expenses while staying at a treatment facility
  • Additional childcare or adult daycare expenses
  • Experimental treatment

Dearborn National’s Voluntary Group Critical Illness Benefit Can Help

The lump sum benefit we provide gives employees the extra money they need to financially survive a critical illness so they can concentrate on recovering. The benefit helps cash-strapped Americans cover many of the additional expenses associated with recovery.

Our Critical Illness benefit provides coverage in addition to major medical insurance and covers numerous conditions, including cancer, heart attack, stroke, kidney failure, major organ transplant and terminal illnesses.

Plus, our Critical Illness benefit is a rider to our Group Life Insurance policy, which means any benefit that is not paid as a critical illness benefit remains as a death benefit, regardless of the cause of death.


  • Guarantee Issue benefits available
  • Coverage available without a pre-existing conditions clause
  • Lump sum payment can be used however the beneficiary wishes
  • Coverage available for employee, spouse and children
  • Benefits payable upon the diagnosis of a covered condition or as a death benefit—providing greater security


1 American Cancer Society, Cancer Facts & Figures 2010.

2 American Heart Association, Heart Disease and Stroke Statistics—2010 Update, Chapters 5 and 6.