Critical Illness Insurance

Critical Illness Insurance  


Every 40 seconds, someone in the U.S. has a heart attack or stroke1 and someone is diagnosed with cancer every 3 minutes.2 Critical illness insurance can help pay for treatment, care, or any other expenses you might have.

Critical illness insurance can help you by paying a lump sum cash benefit of $15,000 to help cover your out-of-pocket medical costs, including deductibles, copays, and coinsurance or pay daily living expenses such as grocery bills, mortgage payments, transportation costs, etc. 

Some common conditions covered by critical illness insurance are listed below. For a full list of covered medical conditions, click here.

  • Cancer
  • Stroke
  • Alzheimer’s disease
  • Heart attack
  • Kidney failure
  • Coronary artery bypass graft
  • Major organ transplant
How to Enroll


Log on to myHR Benefits through the myHR portal or at from home. 

Contact Us
myHR Service Center
844-DFS-myHR (844-337-6947)
8am - 6pm Central Time, Monday through Friday, except certain holidays

How It Works

Tell Me More


Tony enrolls in critical illness insurance.

He is diagnosed with cancer a few months later and enters into chemotherapy treatment for several months. After successful therapy, he is now cancer free. Because Tony was enrolled in critical illness insurance and submitted a claim after his cancer diagnosis, he received a lump sum payment of $15,000 that helped to cover the out-of-pocket costs he incurred during treatment.


Below are the deductions that would be withheld from your biweekly paycheck if you elect critical illness insurance:


You Only

You + Spouse / Domestic Partner

You + Child(ren)

You + Family

























































Answers about the plan, including eligibility, options, enrollment and customer service.
  • Who is the provider?

    With over 145 years of experience, MetLife is a recognized leader in protection planning and retirement & savings solutions.
  • How can this help me?

    Gives you the comfort to recover in confidence while avoiding the financial strain a serious illness can cause.

    MetLife Critical Illness insurance provides a lump-sum payment if you or a covered family member are diagnosed with a covered medical condition and meet the policy and certificate requirements.
  • Who can enroll?

    You, your spouse and eligible children qualify for this coverage. You and your eligible family members just need to enroll during your employer's enrollment period and be actively at work for your coverage to be effective.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the annual enrollment period.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, or home billing.

    Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier.5
  • What serious illnesses and diseases am I covered for?

    Critical illness insurance helps you manage expenses — so you can focus on getting well.


    As long as you or your loved one meets the policy and certificate requirements, the following medical conditions are covered:

    • Full Benefit Cancer7
    • Partial Benefit Cancer7
    • Heart Attack
    • Stroke8
    • Coronary Artery Bypass Graft9
    • Kidney Failure
    • Alzheimer’s Disease10
    • Major Organ Transplant
    • 22+ Listed Conditions11
  • What happens if I recover and then I’m diagnosed again?

    Your plan pays a recurrence benefit if a medical condition occurs again for the following conditions: heart attack, stroke, coronary artery bypass graft, full benefit cancer, partial benefit cancer. A recurrence benefit is only available if initial benefit of a covered condition has been paid. And, there is a benefit suspension period (waiting period) between recurrences.12

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Critical Illness Outline of Coverage




Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.