A picture of a man and woman speaking with a river in the background.

Critical illness
insurance

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 expand their benefits package without busting their budget.

  • Lump sum cash benefit payments on diagnosis, not treatment
  • Benefits may be provided for multiple and recurring illnesses
  • Offered on an employee-paid basis
  • Guaranteed renewable; as long as premiums are paid in full, coverage is guaranteed
  • Fully portable coverage employees can keep even if they leave their organization

Flexible options

  • Flexible benefit amounts, riders, waiting periods, pre-existing conditions and Guarantee Issue amounts
  • A choice of five categories of coverage, including heart, organ, cancer, quality of life and child
  • Employee, spouse, children and family coverage available

Added value

We offer a full package of services to help employees stay well and provide them guidance through their treatment process if diagnosed with a critical illness.

  • A child care expense benefit, available when an insured is hospitalized due to a covered critical illness
  • An annual cash benefit to be used toward one of 24 covered health assessment tests, such as chest x-rays or mammograms
  • Personal health advocates, which provide healthcare guidance at any time, not just during a critical illness; employees get help with appointments, second opinions, rehabilitation services and insurance coordination
  • Many travel assistance services for out-of-town care (100 or more miles from home); available at any time, not just during a critical illness
  • Support services, which include referrals to community resources and support groups, as well as phone counseling for a variety of issues 

In Maryland, Massachusetts, Minnesota, New Jersey, New York and Washington, this product is offered as an individual insurance policy. In all other states, this product is offered as a group insurance policy. This insurance product does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Note: In California and New Jersey, 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), the nation’s leading healthcare advocacy company. Travel assistance services are provided by UnitedHealthcare Global, Baltimore, MD. The travel assistance benefit is not available to insured employees and dependents of policies issued in the state of New York. Employee assistance services are provided by ComPsych® Corporation, Chicago, IL. Health Advocate, UnitedHealthcare Global and ComPsych® are not Lincoln Financial Group® companies. 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 GL51, WIND) 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. Insurance products (policy series WIND) are issued by Lincoln Life & Annuity Company of New York, a Lincoln Financial Group® company. 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.