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Critical illness

The financial burden from cancer or a heart attack doesn’t have to be devastating. Lincoln Critical Illness Insurance protects employees’ budgets against these expenses, from deductibles and co-pays to personal expenses such as transportation and childcare.

Full benefits

Critical illness insurance delivers cash benefits when an insured is diagnosed with a critical illness, even if the insured has other insurance. And employers can choose to offer this benefit as an employer-paid core coverage or an employee-paid option — whichever fits their business’ and employees’ needs best.

  • Pays a lump sum cash benefit on diagnosis, not treatment
  • Covers common critical illnesses such as heart attack, stroke, cancer, and major organ failure
  • May pay benefits for multiple and recurring illnesses1 
  • Includes access to Health Advocates services providing employees with a team of healthcare, benefits and behavioral health experts, who can provide one-on-one support with a wide range of important and confusing issues, saving employees time, money and worry.
  • Includes access to a personal health advocate, who helps employees navigate the health care system2
  • Focuses on family needs and early detection of critical illnesses
  • Offers spouse and child coverage

Coverage that lasts and is easy to administer

  • Coverage is portable for employees leaving the company.
  • Technology platform is built to provide end-to-end administration, flexible billing options and self-service capabilities.3

Flexible rider options

  • Employers can select which riders to add to their employees’ base plans.
  • Five riders make it easy to customize coverage —a Health Assessment Benefit,4 Supplemental Conditions,5 Accidental Injury,6 Occupational Disease7 and Recovery Assistance.8

1 Recurring illness benefit not available in NY.
2 Not available in NY and WA.
3 New technology platform will be available in 2019.
4 Not available in MN, MO, NY.
5 Availability varies by state.
6 Not available in CO, MO, NH, NJ, NY, VT, WA.
7 Not available in GA, NY, VT.
8 Not available in CO, NY, NJ.

In California and New York, applicants must have major medical insurance to be eligible for critical illness coverage.

Health advocate services are provided by Health Advocate, Inc. (Plymouth Meeting, PA), thenation’s leading healthcare advocacy company. Health Advocate is not a Lincoln Financial Group company. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations. Health Advocate does not replace health insurance coverage, provide medical care or recommend treatment.

Insurance products (policy series GL501) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so. In New York, insurance products (policy series GL501) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.

Not for use in Washington.