Critical Illness


Is Critical Illness Insurance Important?
Most people know someone who has suffered a critical illness or condition. The reality today is that people who have a heart attack, develop Cancer, or suffer a stroke are surviving in increasing numbers. This great news is likely to continue with advances in modern medicine. While people are fortunately surviving these once deadly diseases, the reality is that financially families are facing a much more difficult future. When a spouse survives a heart attack or is diagnosed with Cancer, what happens to the family financially? Much of their income is lost or spent on medical treatment cost, refitting their house or car, or perhaps paying for additional needed childcare.
The sad fact is the average family struggles to meet these needs since there is usually a partial loss of income in addition to an immense increase in expenses. Critical Illness insurance provides an incredibly valuable solution to all these questions. By providing a lump sum of cash upon the initial diagnosis of any of the covered illnesses and conditions, the right Critical Illness Coverage can help save a family the financial despair that comes with it.
Critical Illness coverage will:
      • Cover at least Heart Attacks, Cancer, and Stroke along with many other different conditions
      • Provide income that can be used for any purpose upon the diagnosis of a covered illness
      • Be presented as either a stand alone Critical Illness plan, or be attached to a Life Insurance Plan
      • Have additional coverages that can be tailored to meet specific needs
The Benefits Cooperative and its partner brokers and carriers were a prime force in the introduction of Critical Illness plans to the American Market through voluntary benefits. By working with these partners and employer partners, The Benefits Cooperative can help meet a family's specific and personal needs in a Critical Illness Program.




The Benefits Cooperative

The Benefits Cooperative is a collabaration of leading employee benefit brokers, enrollment companies, and voluntary benefit brokers partnering with insurance carriers, ancillary benefit providers, third party administrators, enrollment softwaresuppliers and other Employee Benefits related companies whose primary purpose is to enable our broker partners to provide a complete and tailored benefit package to employees and association members. Headquartered in Atlanta, GA The Benefits Cooperative has members and affiliates in 30 states who do business in all 50 states, the District of Columbia and Puerto Rico.