Voluntary Group Critical Illness

Devastating Illness Happens More Often Than We Think

  • Approximately every 34 seconds, an American has a coronary event.1
  • 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 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 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.


  • Guarantee Issue benefits available
  • 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


1 Circulation, American Heart Association, "Heart Disease and Stroke Statistics—2014 Update," December 18, 2013,

2 Health Savings Accounts are described in Section 223 of the Internal Revenue Code.

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