Critical Illness Ins.

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Critical Illness Ins.

How will you pay for what your health insurance won't?

Chances are you know someone who has faced a critical illness, so you know the physical and emotional drain and illness can impose. But have you thought about the financial problems a critical illness can bring?

Fortunately survival rates for critical illnesses are increasing every year. With survival comes changes, one of which could be the impact to your financial situation. Would you be able to meet your financial obligations if a critical illness should strike?

Even those of us who plan for the unexpected with life, disability, and medical insurance may discover that some expenses can still remain unpaid. The benefits you receive from Critical Illness Insurance can help provide financial protection, whatever your situation. Here are some examples of how the benefit can help you:

	*Do you use an HMO or PPO for your major medical insurance?* Critical illness insurance can help fill the gaps in case your major medical coverage doesn’t provide the freedom of choice that you need.
	*Are you single?* The benefit can help provide for caretakers, home maintenance and transportation, which you may need if a critical illness strikes.
	*Are you newly married?* The insurance can provide a financial cushion, because you may not have had time to build up savings or other assets to help you get through tough financial times.
	*Do you have a family?* If your family relies on you for income and/or for the work you do inside the home—this benefit could provide a supplement to help you handle your reduced ability to earn an income, pay bills or provide household care and maintenance.

Critical Illness insurance pays a lump sum benefit upon diagnosis of a covered critical illness for you to use where it’s needed most. Coverage is available for you and/or your family.

Plan Highlights (pays a first occurrence benefit as well as hospital confinement and continuing care benefits for):

	Heart Attack & Coronary Artery Bypass Surgery
	Stroke
	End-Stage Renal Failure
	Major Human Organ Transplant
	Major Third Degree Burns
	Coma
	Paralysis

Did you know?

• 1 in 3 men and women has some form of cardiovascular disease.

Heart Disease and Stroke Statistics – 2007 Update, American Heart Association.

• On average, every 45 seconds someone in the United States has a stroke.

Heart Disease and Stroke Statistics – 2007 Update, American Heart Association.

• In the U.S., men have a one in two lifetime risk of developing cancer; women have a risk of one in three.

Cancer Facts & Figures, 2007

• Over 50 percent of bankruptcies are medically related. "Illness and Injury as Contributors to Bankruptcies", Health Affairs, Feb. 2007.

Employees of Tulalip Tribes have the ability to choose Critical Illness Insurance plans from AFLAC and Allstate.

AFLAC Critical Illness Brochure

Allstate Critical Illness Brochure

Send mail to joep@peoplesbenefitsolutions.com with questions or comments about this web site. Copyright © 2009 Peoples Benefit Solutions Last modified: December 06, 2009

Send mail to joep@peoplesbenefitsolutions.com with questions or comments about this web site.
Copyright © 2009 Peoples Benefit Solutions
Last modified: December 06, 2009