Simply put - Critical Illness Insurance
Kelly: Welcome to “Simply put”. I’m Kelly from Guardian, here to answer your questions about Voluntary Benefits—in terms we all can understand. We’re back with Dan, working father of four. What’s on your mind, Dan?
VIDEO: Cut to Dan’s home office. A laundry basket blocks his computer camera.
Dan: Hey Kelly, so my wife and I were talking about—
Kelly: (Trying to look around the laundry basket) Hello? Dan? We can’t see you.
Dan: (Fumbling.) Sorry, hi Kelly. (Pushes laundry basket aside to reveal laundry room covered with laundry just out of the dryer. He’s folding dozens of t-shirts.)
Kelly: Woah…you want to talk later when you’re free?
Dan: Kelly, I work. We have four boys. There is no such thing as free time.
Kelly: Fair enough. Whatcha got?
Dan: So, I know that they offer Critical Illness Insurance at work as a voluntary benefit. I mean, I can’t even begin to imagine me being seriously ill would do to this family. Seems they can’t even operate the washing machine without me. But I kind of want to know should I be thinking about it? You know?
Kelly: I totally get it. It is scary. But, simply put, Critical Illness Insurance is actually critical care insurance. If you’re ever diagnosed with something big…like cancer…or a heart attack or a stroke…Critical Illness insurance can help you work through it.
Dan: (Looking at the towering pile of laundry) Kind of like working through this.
Kelly: (Nodding) Exactly. That’s why Critical Illness Insurance plans pay you a lump sum, in cash, so you can get help with the everyday life stuff in the short term—while you focus on the long term. No deductible. No extra waiting time once your claim is verified.
Dan: Will they teach my kids to do laundry?
Kelly: If that’s what you want to use it for, yes. Or get a house cleaner. Or cover the rent. Critical Illness Insurance pays you a lump sum of say, 10, 20, even $30,000 depending on your diagnosis. And there’s additional recovery benefits available to help you get back to where you were.
Plus, with the right plan, you may have access to additional wellness benefits for preventative services. Like cancer screenings, blood tests, and more. So, hopefully, you’ll be doing laundry for a long, long time, Dan.
Dan: That’s not very reassuring, Kelly. But thanks, that was really helpful.
Kelly: I know. But silver linings are everywhere. See you soon, Dan.And thanks for calling “simply put.”
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