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Keep Finances Healthy During A Critical Illness

The American Cancer Society says that more than 1.6 million Americans will be diagnosed with cancer this year and most of them will not have what is known as Critical Illness & Cancer insurance. Due to today’s high-deductible plans and employees’ soaring out-of-pocket expenses, the exorbitant costs involved in treating a critical illness like cancer can be financially devastating – even with Health insurance in place.

Critical Illness & Cancer insurance as a voluntary benefit can help an employee pay for the many unexpected costs that come with a life-threatening disease. He or she may be suddenly unable to work, need in-home caregiving, or need to undergo expensive treatments. With this coverage, employees will have the ability to pay for these and other expenses, ultimately helping protect their savings and keep them out of debt. As part of our Employee Benefits Department, Haughn & Associates (H&A) can discuss this benefit so that you might offer it as an option to your employees.

What’s Covered in Critical Illness & Cancer Insurance

Critical Illness insurance provides a fixed, lump-sum payment following the diagnosis of any illness listed in the policy, which may include but is not limited to cancer, heart attack, stroke, paralysis, kidney failure, etc. Some policies include a per-day benefit for certain treatments (e.g., dialysis). The benefit payments are made directly to the insured and can be used for any purpose, such as covering deductibles, co-payments, travel expenses, or for softening the financial impact of reduced income.

Our Commitment to You

At Haughn & Associates (H&A), our core values and principles of integrity, honesty, dependability, innovation, and collaboration shape who we are and guide us; they ultimately allow our team to provide our clients with high-quality insurance products and an unparalleled level of superior service. Each business, family, and individual is given the personalized attention needed to design the right fit of insurance and risk management protection for your insurance package.