Critical Illness
Critical Illness
Critical Illness
Critical Illness

When a serious illness strikes, critical illness insurance can provide financial support to help you through a difficult time.

It protects against the financial impact of certain illnesses, such as a heart attack or cancer.

Critical Illness Insurance Coverage Benefits:

  • Employees may elect $10,000, $20,000 or $30,000 of coverage
  • Spouse coverage at 50% of the employee amount
  • Child coverage at 50% of the employee amount
  • Guarantee issue while an active employee
  • Option to continue coverage if leave employment

How to Use Your Benefit

Access and manage your Guardian coverage

  • If you don’t already have a login, go to the self-registration page (
  • Fill in your information and create a username and password
  • Access easy to use tools to help understand the value of your benefits including educational articles and cost estimator tool

Submit a Claim

  • Go to and login with your username and password
  • Go to Claims > Submit a Claim to file a claim


  • Speak to a Guardian representative about your benefits and claims for help using
  • Customer Service Center: 1-800-627-4200

Examples of Benefit Amounts for Critical Illness Claims

Medical Condition
Heart Attack 100% of benefit amount
Stroke 100% of benefit amount
Invasive Cancer 100% of benefit amount
Carcinoma In Situ 30% of benefit amount
Skin Cancer 5% of benefit amount or $250

2024 Premiums

Benefit Amounts <30 30-39 40-49 50-59 60-69 70+
$10,000 $4.20 $6.30 $11.70 $23.10 $32.30 $44.90
$20,000 $8.40 $12.60 $23.40 $46.20 $64.40 $89.80
$30,000 $12.60 $18.90 $35.10 $69.30 $96.60 $134.70
Benefit Amounts <30 30-39 40-49 50-59 60-69 70+
$5,000 $2.10 $3.15 $5.85 $11.55 $16.10 $22.25
$10,000 $4.20 $6.30 $11.70 $23.10 $32.30 $44.90
$15,000 $6.30 $9.45 $17.55 $34.65 $48.30 $67.35

Frequently Asked Questions

I have a good medical plan at work. Why would I need additional coverage for critical illness?

A critical illness can happen any time, to anyone and when you least expect them – and they can be costly. Even quality medical plans can leave you with extra expenses to pay. Costs like plan deductibles, copays for doctor visits and extra costs for out-of-network care can add up fast. Having the financial support you may need when the time comes means less worry for you and your family.

How do I pay for my critical illness coverage?

Premiums will be conveniently paid through payroll deduction.

How will benefits be paid?

Payments will be paid directly to you.

Is the claims process simple?

Yes. Once all required information is received, claims are generally processed within 10 business days.

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