Critical Illness Insurance

Critical Illness Insurance  


Every 40 seconds, someone in the U.S. has a heart attack or stroke or is diagnosed with cancer or other serious disease.* If it happens to you, shouldn’t your primary focus be on getting well—not worrying about how to pay for your treatment and care?
Critical Illness** Insurance can help you by paying a lump sum benefit if you are diagnosed with a covered illness or condition. Features of this insurance include:

  • Pays a lump sum benefit of $10,000 to $50,000. You can also choose from benefit amounts of $10,000 to $25,000 for your spouse under age 70 and children under age 26 if employee coverage is provided or elected. Age requirements may vary.
  • Rates are typically lower when you purchase group insurance coverage through your employer. Your premium is conveniently deducted from your paycheck.
  • Offered by Employee Benefits.
  • There are no medical questions or tests required for coverage if you enroll during the Enrollment Period.
  • Portable—you can keep your coverage if you leave your employer.


The cost of Critical Illness Insurance varies based on your age and the amount of coverage. It is very likely that your monthly premiums will be less than your monthly lunch budget.

This is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. There are no co-pays or reimbursements for services.


Rate Chart


**Critical Illness is referred to as Specified Disease in some states.


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Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
M-F 9a-6p ET

How It Works

*Critical illness is not a coordinated benefit and medical coverage is not provided by Voya Employee Benefits or any of its member companies.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.