Group Critical Illness Insurance

A solution that helps alleviate the financial hardships of a covered critical illness, so employees can focus on recovery.

A convenient solution

Coverage available to all actively at work² employees with easy enrollment and payroll deduction.

Flexible coverage

The lump-sum payment is sent directly to your employees to spend as they see fit.

Portable protection³

Employees can take their coverage with them if they leave the company.

level premium
Level Premium

Premium is set based on the issue age of the insured and remains level over the life of the certificate.⁴

¹ A limited supplemental insurance that is also referred to as Group Specified Disease Insurance.
² Minimum participation rates may apply and if applicable will vary based on case size, underwriting type and coverage amount.
³ Portability may not be available in all states.
⁴ In most states, premium is guaranteed for 3 years from the group policy effective date. After the third anniversary, MassMutual has the right to increase premium for the plan.

MassMutual Group Critical Illness Insurance provides limited benefits. Like most group accident and health insurance policies, this policy has exclusions and limitations including a pre-existing condition exclusion and reduced benefit period which may affect benefits payable. Benefits vary by age. Benefit amounts, covered conditions and optional riders may vary or be unavailable in some states. Lump-sum benefits are paid for the initial occurrence and, in most states, for up to two additional recurrences of the same covered condition. A waiting or treatment free period between dates of diagnosis is required and there is an aggregate benefit limit per certificate. MassMutual may have the right to change rates and may cancel the policy at any time. The policy, its name, benefits and provisions may vary or be unavailable in some states, and some states require the insured person to have major medical or minimum essential coverage on the effective date of this coverage. For costs, availability and complete details of this coverage, please contact your MassMutual representative.

Group critical illness insurance (GPCI), (MM-GCCI-2015 and MM-GCCI-2015(NC) in North Carolina) is limited benefit non-participating group insurance. The GPCI policy and GCCI certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001