CRITICAL ILLNESS INSURANCE
If you suffered a critical illness tomorrow, what would worry you?
A critical illness can change your life in an instant. Being diagnosed with an illness like a heart attack, cancer or a stroke can be overwhelming. The last thing you want to worry about is money. PFP | The Family Security Plan® Critical Illness Insurance can help protect you from financial hardship while you or a loved one recovers. It provides tomorrow's protection today.
How does Critical Illness Insurance work?
Critical Illness Insurance pays a lump sum cash benefit as soon as you are diagnosed with any of the specific, illnesses covered and your claim is approved. You can use this money to pay out-of-pocket medical costs and non-medical costs associated with your treatment, such as childcare or transportation.
Are your savings enough to pay your bills if you got critically ill?
While you’re being treated for and recovering from a critical illness, your income may be affected. Even with medical insurance, out-of-pocket expenses can add up quickly, including:
Medical Deductibles & Co-Pays
Rent or Mortgage Payments
Credit Card Debt
Savings for College & Retirement
PFP | The Family Security Plan® Critical Illness Insurance features:
Affordable Extensive Coverage
Critical Illness Insurance offers powerful protection at an affordable price.
You can insure yourself, your spouse, your children, and dependent grandchildren.
You can choose a Face Amount of the benefit, between $10,000 and $100,000.
You can keep your coverage if you change jobs or retire.
Your coverage cannot be canceled as long as your premiums are paid as due.
No Benefit Reduction
Benefits never decrease due to age.
Convenient Premium Payment
There are no bills to watch for or checks to mail. Premiums are conveniently paid automatically from the financial institution of your choice.
You can have this coverage even if you have a Health Savings Account.
No Treatment Requirements
You are not required to be hospitalized or get treatments in order to receive benefits.
No Coordination of Benefits
Benefit payments are made in addition to any other insurance you may have.
Plan Today for Tomorrow with these Critical Illness Insurance Benefits:
Upon diagnosis of a covered condition, you get a substantial lump sum cash benefit.
You also get the benefit of personal and confidential assistance from professionals at Best Doctors®
”Find Best Docs” Physician Referrals
“Ask the Expert” Hotline
Diagnosis & Treatment Advice
***** Advocacy Benefits are not available in Connecticut, Missouri or Ohio.
Covered Conditions Include:
Critical Illness Eligibility, Exclusions and Limitations
Members age 18 through 65*
Spouses age 18 through 65*, including domestic and civil union partners
Children ages 0 through 26
Simplified application process
No benefits will be paid for losses resulting from any intentionally self-inflicted injury
A pre-existing condition is not covered unless the date of diagnosis for such condition or loss is at least 12 months after the policy issue date.**
There is a 30 day Waiting Period following the date of application during which no benefits are available in most states.***
A pre-existing condition is a condition for which a covered person received medical advice or treatment within 12 months immediately prior to the Policy Effective Date.²
* In South Carolina ages 18 through 64
** In New Jersey, a pre-existing condition is not covered unless the date of diagnosis is at least 6 months after the policy issue date. A pre-existing condition is a condition in which a covered person received medical advice or treatment within the 6 months prior to the Policy Effective Date.
*** There is no waiting period in Connecticut, Maryland, Missouri, New Jersey, South Carolina or Texas.
Critical Illness Insurance provides a way to help protect you and your family should you develop a critical illness. It's tomorrow's protection today.
¹ Benefit payment is 25% of Face Amount
² Coma not available in NJ
³ Skin cancer pays $250
⁴ Must be on UNOS Donor List to qualify