Better by design
If one of your client’s employees suffered a covered critical illness:
- How much support would they need right away for a more severe covered condition?
- What if their covered condition goes into remission and then returns and progresses years later?
Serious questions. The progression and severity features – along with a recurrence benefit – on MassMutual's Group Critical Illness (CI) insurance might have some answers.
See below for how these work to help support a critical illness journey. Our Group CI pays a lump sum benefit upon a diagnosis of a covered critical illness that can be used to pay for out-of-pocket medical costs or any other expense.
Here are hypothetical examples:
The Severity Feature
He is diagnosed with Stage 4 cancer. The severity feature1 could be there to help him.
How it works: Because he has been diagnosed with an advanced stage of the disease, he is eligible for 200% of the certificate benefit.
| Stage 1 or 2 | $10,000 |
| Stage 3 | $5,000 |
| Stage 4 diagnosed | $5,000 |
200% equals a $20,000 benefit on a $10,000 certificate paid directly to him that he can use any way he chooses.
The Progression Feature and Recurrence Benefit
She is diagnosed with Stage 2 cancer at the start of her cancer journey.
How it works: Because she owns a $10,000 CI certificate, the progression feature2 continues to support her as her disease progresses, goes into remission, and then recurs3.
| Stage 1 or 2 cancer diagnosis | $10,000 |
| Progresses to Stage 3 cancer | $5,000 |
| Cancer goes into remission | |
| Stage 3 cancer returns3 | $15,000 |
| Progresses to Stage 4 cancer | $5,000 |
Jennifer is eligible for a $35,000 payout from her $10,000 certificate (350%). The money is payable directly to her to use any way she chooses.
Hypothetical examples. For illustrative purposes only.
NOT FOR USE IN NM AND WA.
1 If included in the plan design
2 If included in the plan design, if a covered condition progresses, a progression feature allows for payment of the difference between the full benefit amount for that covered condition and previously paid amount for the early stage diagnosis.
3 MassMutual's Group Critical Illness insurance requires insured to be treatment free for a minimum of six (6) months before being eligible for a Recurrence Benefit. In NY, the Recurrence Benefit is payable once per covered condition.
MASSMUTUAL GROUP CRITICAL ILLNESS (IN CA AND NY, GROUP SPECIFIED DISEASE) INSURANCE PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY AND DOES NOT PROVIDE COVERAGE FOR SICKNESS.
This Critical Illness insurance is NOT hospital or medical expense insurance or minimum essential coverage. In NY: This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. This insurance, its name, or its provisions may vary or be unavailable in some states. This coverage has exclusions, limitations, reductions of benefits that may affect any benefits payable, and terms under which the policy may be continued in force or discontinued. Some benefits or options have limited availability based on age. For availability, cost, and coverage details contact your benefits advisor or MassMutual. Group Critical Illness Insurance (GPCI), (MM-GPCI-2021 and MM-GCCI-2021, and MM-GPCI-2021 (NC) and MM-GCCI-2021 (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.