Critical Illness Insurance

Critical Illness Insurance helps provide financial assistance if you are diagnosed with a covered disease.

You’ll receive a lump-sum payment that can be used for anything you need, even if it’s not related to your illness. If you are newly eligible to enroll, you can elect coverage up to the Guarantee Issue without answering any health questions. Otherwise, you will be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.


Coverage Tiers & Benefits

Coverage Tier Benefit
Guarantee issue $30,000
$10,000–$100,000 (in $10,000 increments)
Your Spouse/Domestic Partner
Guarantee Issue: $30,000
$10,000–$50,000 (in $10,000 increments) up to Team Member coverage amount
Your Child(ren) up to Age 26
Guarantee Issue: $15,000
$2,500–$15,000 (in $2,500 increments)

Examples of Covered Conditions

Adults Children
100% covered Alzheimer’s Disease
Benign Brain Tumor
Heart Attack
Life Threatening Cancer
Loss of Hearing
Loss of Sight
Loss of Speech
Major Organ Failure
Motor Neuron Disease (ALS)
Multiple Sclerosis
Parkinson’s Disease
Cerebral Palsy
Cleft Lip or Palate
Cystic Fibrosis
Downs’ Syndrome
Muscular Dystrophy
Spina Bifida
Type 1 Diabetes
50% covered Severe Brain Damage
25% covered Carcinoma in situ
Coronary disease
Ruptured Cerebral, Carotid or Aortic Aneurysm
5% covered Skin cancer

What the Plan Costs (Biweekly)

Team Member Rate per $1,000 of Coverage
Spouse/Domestic Partner Rate per $1,000 of Coverage
Less than 25

Pre-Existing Condition Limitation

A pre-existing condition is any sickness or injury, whether specifically diagnosed or not, for which an insured received treatment, consultation, care or services, including diagnostic procedures, or for which he/she took prescription drugs or medicines, during the 12 months before the individual effective date of coverage (or increase in coverage). Benefits (or increased benefits) will not be paid for a pre-existing condition unless the critical illness is diagnosed after 12 months of coverage (or effective date of an increase).


A benefit will not be paid if the critical illness is caused by or contributed to by one of the following: an act of war, declared or undeclared; intentionally self-inflicted injury; commission or attempted commission of a felony; the use of alcohol or drugs unless taken as prescribed by a physician; a sickness or injury that occurs while confined in a penal or correctional institution; cosmetic or elective surgery that is not medically necessary; committing or attempting to commit suicide while sane or insane; participation in a riot or insurrection; for a critical illness diagnosed outside of the US unless confirmed within the US; for a critical illness diagnosed less than three months from a different critical illness diagnosis for which a benefit has been paid; or for the same critical illness for which a benefit has been paid, if diagnosed less than six months after the previous critical illness was diagnosed.


Contact Team Member Services at 855-432-MIKE (6453), Option 2, about Portability/Conversion information within 31 days of the date your coverage ends. The appropriate forms will be emailed to you.

Portability/Conversion Information

Additional Resources

Voluntary Critical Illness Highlights: EnglishSpanish

How to File a Claim


How to File a Claim