{"id":1880,"date":"2024-09-21T14:13:34","date_gmt":"2024-09-21T14:13:34","guid":{"rendered":"https:\/\/may.iaq.mybluehost.me\/?page_id=1880"},"modified":"2026-02-27T19:08:30","modified_gmt":"2026-02-27T19:08:30","slug":"prestaciones-por-enfermedad-critica-terminal","status":"publish","type":"page","link":"https:\/\/insurancebuddyusa.com\/es\/prestaciones-por-enfermedad-critica-terminal\/","title":{"rendered":"Enfermedad cr\u00edtica y terminal"},"content":{"rendered":"<style>.kb-row-layout-id1880_2557bc-24 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1880_2557bc-24 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1880_2557bc-24 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:600px;margin-left:auto;margin-right:auto;padding-top:150px;padding-right:0px;padding-bottom:120px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1880_2557bc-24 > .kt-row-layout-overlay{opacity:0.70;background-image:url('https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2021\/04\/bg-0.png');background-size:cover;background-position:50% 50%;background-attachment:fixed;background-repeat:no-repeat;}@media all and (max-width: 1024px), only screen and (min-device-width: 1024px) and (max-device-width: 1366px) and (-webkit-min-device-pixel-ratio: 2) and (hover: none){.kb-row-layout-id1880_2557bc-24 > .kt-row-layout-overlay{background-attachment:scroll;}}@media all and (max-width: 1024px){.kb-row-layout-id1880_2557bc-24 > .kt-row-column-wrap{padding-top:140px;padding-right:0px;padding-bottom:80px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1880_2557bc-24 > .kt-row-column-wrap{padding-top:120px;padding-right:20px;padding-bottom:50px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1880_2557bc-24 alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1880_e52269-9d > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_e52269-9d > .kt-inside-inner-col,.kadence-column1880_e52269-9d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1880_e52269-9d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_e52269-9d > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_e52269-9d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_e52269-9d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_e52269-9d{position:relative;}@media all and (max-width: 1024px){.kadence-column1880_e52269-9d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1880_e52269-9d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_e52269-9d\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2, .wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2[data-kb-block=\"kb-adv-heading1880_58b6be-d2\"]{margin-bottom:22.5px;text-align:center;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2[data-kb-block=\"kb-adv-heading1880_58b6be-d2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2[data-kb-block=\"kb-adv-heading1880_58b6be-d2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2, .wp-block-kadence-advancedheading.kt-adv-heading1880_58b6be-d2[data-kb-block=\"kb-adv-heading1880_58b6be-d2\"]{margin-bottom:17.5px;}}<\/style>\n<h1 class=\"kt-adv-heading1880_58b6be-d2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1880_58b6be-d2\">Critical &amp; Terminal Illness Coverage<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00, .wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00[data-kb-block=\"kb-adv-heading1880_aa07e9-00\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00[data-kb-block=\"kb-adv-heading1880_aa07e9-00\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1880_aa07e9-00[data-kb-block=\"kb-adv-heading1880_aa07e9-00\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading1880_aa07e9-00 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1880_aa07e9-00\">Critical and Terminal Illness benefits provide employees with financial protection if diagnosed with a serious or life-threatening condition. These voluntary benefits help cover medical expenses, daily living costs, or other financial obligations not fully addressed by standard health insurance. Coverage applies to all eligible employees and offers peace of mind while supporting recovery and family needs. Employers offering these benefits gain <strong>tax advantages and potential credits<\/strong> through Section 125 Cafeteria Plans, while employees receive flexible, personalized protection when they need it most.<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1880_4d934c-b3 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id1880_4d934c-b3 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id1880_4d934c-b3 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:120px;padding-right:0px;padding-bottom:30px;padding-left:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id1880_4d934c-b3 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1880_4d934c-b3 > .kt-row-column-wrap{padding-top:90px;padding-right:30px;padding-bottom:0px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1880_4d934c-b3 > .kt-row-column-wrap{padding-top:0px;padding-right:20px;padding-bottom:70px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1880_4d934c-b3 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col,.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_c1e5c1-dd{position:relative;}.kadence-column1880_c1e5c1-dd, .kt-inside-inner-col > .kadence-column1880_c1e5c1-dd:not(.specificity){margin-top:0px;margin-right:100px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1880_c1e5c1-dd, .kt-inside-inner-col > .kadence-column1880_c1e5c1-dd:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1880_c1e5c1-dd > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column1880_c1e5c1-dd, .kt-inside-inner-col > .kadence-column1880_c1e5c1-dd:not(.specificity){margin-top:70px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_c1e5c1-dd\"><div class=\"kt-inside-inner-col\"><div class=\"wp-block-image dots-style-abt1\">\n<figure class=\"aligncenter size-full is-resized has-lightbox\"><a href=\"\/get-started-corporate\/\"><img decoding=\"async\" width=\"1024\" height=\"1536\" loading=\"lazy\" src=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec.png\" alt=\"\" class=\"wp-image-4007\" style=\"aspect-ratio:0.6666748562724191;width:515px;height:auto\" srcset=\"https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec.png 1024w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec-200x300.png 200w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec-683x1024.png 683w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec-768x1152.png 768w, https:\/\/insurancebuddyusa.com\/wp-content\/uploads\/2026\/02\/43aeaade-9df0-48ee-8c34-cee86b19fdec-8x12.png 8w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n<\/div><\/div><\/div>\n\n\n<style>.kadence-column1880_c6deda-03 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_c6deda-03 > .kt-inside-inner-col,.kadence-column1880_c6deda-03 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1880_c6deda-03 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_c6deda-03 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_c6deda-03 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_c6deda-03 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_c6deda-03{position:relative;}.kadence-column1880_c6deda-03, .kt-inside-inner-col > .kadence-column1880_c6deda-03:not(.specificity){margin-top:0px;margin-right:120px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1880_c6deda-03 > .kt-inside-inner-col{padding-top:50px;padding-right:40px;padding-bottom:70px;padding-left:40px;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column1880_c6deda-03, .kt-inside-inner-col > .kadence-column1880_c6deda-03:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1880_c6deda-03 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}.kadence-column1880_c6deda-03, .kt-inside-inner-col > .kadence-column1880_c6deda-03:not(.specificity){margin-top:30px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}<\/style>\n<div class=\"inner-column-2 wp-block-kadence-column kadence-column1880_c6deda-03\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb, .wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb[data-kb-block=\"kb-adv-heading1880_7c3731-eb\"]{margin-bottom:40px;line-height:1em;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb[data-kb-block=\"kb-adv-heading1880_7c3731-eb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb[data-kb-block=\"kb-adv-heading1880_7c3731-eb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb, .wp-block-kadence-advancedheading.kt-adv-heading1880_7c3731-eb[data-kb-block=\"kb-adv-heading1880_7c3731-eb\"]{text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading1880_7c3731-eb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading1880_7c3731-eb\">Critical &amp; Terminal Illness Benefits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Critical and Terminal Illness benefits<\/strong> provide employees with financial support if they are diagnosed with a serious or life-threatening condition. These voluntary benefits help cover medical costs, living expenses, or other financial obligations that standard health insurance may not fully address. By offering this coverage, employers demonstrate care for employee well-being and provide peace of mind during challenging times.<\/p>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-1880_89caa4-33 .kt-block-spacer{height:30px;}.wp-block-kadence-spacer.kt-block-spacer-1880_89caa4-33 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:100%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-1880_89caa4-33\"><div class=\"kt-block-spacer kt-block-spacer-halign-left\"><hr class=\"kt-divider\"\/><\/div><\/div>\n\n\n<style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:20px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap:hover{background:var(--global-palette9, #ffffff);}.kt-info-box1880_85da7a-95 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box1880_85da7a-95 .kt-info-svg-icon-flip, .kt-info-box1880_85da7a-95 .kt-blocks-info-box-number{font-size:22px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-media{color:var(--global-palette9, #ffffff);background:var(--global-palette1, #3182CE);border-color:#eeeeee;border-radius:200px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:13px;padding-right:13px;padding-bottom:13px;padding-left:13px;margin-top:0px;margin-right:13px;margin-bottom:0px;margin-left:13px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-media .kadence-info-box-image-intrisic img{border-radius:200px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette6, #718096);background:var(--global-palette1, #3182CE);border-color:#eeeeee;}.kt-info-box1880_85da7a-95 .kt-infobox-textcontent h2.kt-blocks-info-box-title{color:var(--global-palette3, #1A202C);font-size:19px;line-height:29px;font-family:Inter;font-style:normal;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:5px;margin-left:0px;}.kt-info-box1880_85da7a-95 .kt-infobox-textcontent .kt-blocks-info-box-text{color:#aeaeae;}.wp-block-kadence-infobox.kt-info-box1880_85da7a-95 .kt-blocks-info-box-text{margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}@media all and (max-width: 1024px){.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap{text-align:left;}}@media all and (max-width: 767px){.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap{text-align:center;display:block;}.kt-info-box1880_85da7a-95 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-media{display:inline-block;max-width:100%;}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box1880_85da7a-95\"><span class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-left kt-info-halign-left kb-info-box-vertical-media-align-top kb-info-tablet-halign-left kb-info-mobile-halign-center\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_fileText kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z\"\/><polyline points=\"14 2 14 8 20 8\"\/><line x1=\"16\" y1=\"13\" x2=\"8\" y2=\"13\"\/><line x1=\"16\" y1=\"17\" x2=\"8\" y2=\"17\"\/><polyline points=\"10 9 9 9 8 9\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h2 class=\"kt-blocks-info-box-title\">Critical &amp; Terminal Illness Voluntary Benefits?<\/h2><p class=\"kt-blocks-info-box-text\">Critical and Terminal Illness benefits are available as <strong>voluntary plans<\/strong>, giving employees the flexibility to choose coverage that meets their unique needs. Employers offering these benefits can also access <strong>tax advantages and potential credits<\/strong> when structured through a <strong>Section 125 Cafeteria Plan<\/strong>.<\/p><\/div><\/span><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id1880_6f4c42-7d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1880_6f4c42-7d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1880_6f4c42-7d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:70px;padding-right:0px;padding-bottom:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1880_6f4c42-7d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1880_6f4c42-7d > .kt-row-column-wrap{padding-top:0px;padding-right:30px;padding-bottom:20px;padding-left:30px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1880_6f4c42-7d{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1880_6f4c42-7d > .kt-row-column-wrap{padding-top:30px;padding-right:20px;padding-bottom:0px;padding-left:20px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1880_6f4c42-7d alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1880_4e1565-82 > .kt-inside-inner-col{display:flex;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col,.kadence-column1880_4e1565-82 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_4e1565-82 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_4e1565-82 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_4e1565-82{position:relative;}.kadence-column1880_4e1565-82, .kt-inside-inner-col > .kadence-column1880_4e1565-82:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}@media all and (max-width: 1024px){.kadence-column1880_4e1565-82 > .kt-inside-inner-col{padding-top:60px;padding-right:40px;padding-bottom:40px;padding-left:40px;flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 1024px){.kadence-column1880_4e1565-82, .kt-inside-inner-col > .kadence-column1880_4e1565-82:not(.specificity){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}}@media all and (max-width: 767px){.kadence-column1880_4e1565-82 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;align-items:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_4e1565-82\"><div class=\"kt-inside-inner-col\">\n<h2 class=\"wp-block-heading\">Key Benefits for Employers<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Protect Workforce Well-Being<\/strong> \u2013 Provides financial support to employees facing serious health challenges.<\/li>\n\n\n\n<li class=\"\"><strong>Attract &amp; Retain Talent<\/strong> \u2013 Offering voluntary benefits like Critical and Terminal Illness coverage strengthens your overall benefits package.<\/li>\n\n\n\n<li class=\"\"><strong>Tax Advantages &amp; Section 125 Plans<\/strong> \u2013 Contributions through a Section 125 plan are pre-tax for employees, reducing payroll taxes, and employers may qualify for tax credits.<\/li>\n\n\n\n<li class=\"\"><strong>Workforce Engagement<\/strong> \u2013 Shows employees that the company values their health and security, improving morale and loyalty.<\/li>\n\n\n\n<li class=\"\"><strong>Flexible Implementation<\/strong> \u2013 Employers can tailor voluntary coverage options to meet workforce demographics and budget.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Key Benefits for Employees<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Financial Protection<\/strong> \u2013 Provides lump-sum or scheduled payments to help cover medical expenses, mortgages, or daily living costs during critical illness.<\/li>\n\n\n\n<li class=\"\"><strong>Peace of Mind<\/strong> \u2013 Offers security during one of life\u2019s most challenging situations.<\/li>\n\n\n\n<li class=\"\"><strong>Flexibility<\/strong> \u2013 Employees choose coverage levels to meet personal needs and family considerations.<\/li>\n\n\n\n<li class=\"\"><strong>Support Beyond Core Insurance<\/strong> \u2013 Supplements standard health plans, helping reduce out-of-pocket costs for treatment and care.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What Critical &amp; Terminal Illness Coverage Typically Includes<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Critical Illness Insurance<\/strong> \u2013 Provides benefits for diagnoses such as cancer, heart attack, stroke, or other serious conditions.<\/li>\n\n\n\n<li class=\"\"><strong>Terminal Illness Coverage<\/strong> \u2013 Offers financial support if a terminal diagnosis is made, helping employees manage care and family expenses.<\/li>\n\n\n\n<li class=\"\"><strong>Flexible Payout Options<\/strong> \u2013 Benefits can be used for medical costs, household bills, debt, or any personal need.<\/li>\n\n\n\n<li class=\"\"><strong>Eligibility &amp; Voluntary Enrollment<\/strong> \u2013 Employees select coverage levels that suit their individual circumstances.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How to Implement Critical &amp; Terminal Illness Benefits<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li class=\"\"><strong>Assess Workforce Needs<\/strong> \u2013 Determine employee interest and financial protection requirements.<\/li>\n\n\n\n<li class=\"\"><strong>Select Plan Options<\/strong> \u2013 Choose coverage that balances cost, benefit amounts, and eligibility criteria.<\/li>\n\n\n\n<li class=\"\"><strong>Communicate Clearly<\/strong> \u2013 Educate employees on coverage, enrollment, and claims procedures.<\/li>\n\n\n\n<li class=\"\"><strong>Leverage Tax Advantages<\/strong> \u2013 Offer through a Section 125 Cafeteria Plan to provide pre-tax contributions and potential tax credits.<\/li>\n\n\n\n<li class=\"\"><strong>Encourage Enrollment<\/strong> \u2013 Provide resources and guidance to help employees understand and access benefits.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Why Choose Critical &amp; Terminal Illness Benefits<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Offering Critical and Terminal Illness benefits as a <strong>voluntary plan<\/strong> ensures employees have financial support during serious health events, supplements core medical coverage, and enhances overall workplace well-being. Employers gain <strong>tax advantages and potential credits<\/strong>, while employees receive peace of mind and flexible financial protection when they need it most.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ready to offer Critical &amp; Terminal Illness coverage to your employees?<\/strong> Contact us today to provide flexible, tax-advantaged protection for your team.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column1880_54415f-d9 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_54415f-d9 > .kt-inside-inner-col,.kadence-column1880_54415f-d9 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1880_54415f-d9 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_54415f-d9 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_54415f-d9 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_54415f-d9 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_54415f-d9{position:relative;}.kadence-column1880_54415f-d9, .kt-inside-inner-col > .kadence-column1880_54415f-d9:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1880_54415f-d9 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1880_54415f-d9 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_54415f-d9\"><div class=\"kt-inside-inner-col\"><style>.kadence-column1880_beaa3f-06 > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_beaa3f-06 > .kt-inside-inner-col,.kadence-column1880_beaa3f-06 > .kt-inside-inner-col:before{border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;}.kadence-column1880_beaa3f-06 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_beaa3f-06 > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_beaa3f-06 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_beaa3f-06 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_beaa3f-06{position:relative;}.kadence-column1880_beaa3f-06, .kt-inside-inner-col > .kadence-column1880_beaa3f-06:not(.specificity){margin-right:var(--global-kb-spacing-sm, 1.5rem);margin-left:var(--global-kb-spacing-xs, 1rem);}@media all and (max-width: 1024px){.kadence-column1880_beaa3f-06 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1880_beaa3f-06 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_beaa3f-06\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id1880_8c3c5d-90 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1880_8c3c5d-90 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1880_8c3c5d-90 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-none, 0rem );max-width:1140px;margin-left:auto;margin-right:auto;padding-top:50px;padding-right:60px;padding-bottom:50px;padding-left:60px;grid-template-columns:minmax(0, calc(29.6% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(70.4% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id1880_8c3c5d-90{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;overflow:clip;isolation:isolate;}.kb-row-layout-id1880_8c3c5d-90 > .kt-row-layout-overlay{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}.kb-row-layout-id1880_8c3c5d-90 > .kt-row-layout-overlay{opacity:1;background:linear-gradient(300deg, var(--global-palette1) 0%, var(--global-palette2) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id1880_8c3c5d-90 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id1880_8c3c5d-90{margin-top:0px;margin-bottom:0px;}.kb-row-layout-id1880_8c3c5d-90 > .kt-row-column-wrap{padding-top:34px;padding-right:34px;padding-bottom:34px;padding-left:34px;grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id1880_8c3c5d-90 .quote-style {n position: absolute;n left: 50px;n top: 35px;n}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1880_8c3c5d-90 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column1880_9796a1-ae > .kt-inside-inner-col{padding-top:10px;padding-right:10px;padding-bottom:10px;padding-left:10px;}.kadence-column1880_9796a1-ae > .kt-inside-inner-col,.kadence-column1880_9796a1-ae > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1880_9796a1-ae > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1880_9796a1-ae > .kt-inside-inner-col{flex-direction:column;}.kadence-column1880_9796a1-ae > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1880_9796a1-ae > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1880_9796a1-ae{position:relative;}@media all and (max-width: 1024px){.kadence-column1880_9796a1-ae > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:40px;padding-left:0px;flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column1880_9796a1-ae > .kt-inside-inner-col{padding-top:20px;padding-right:30px;padding-bottom:30px;padding-left:30px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"inner-column-1 wp-block-kadence-column kadence-column1880_9796a1-ae\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf, .wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf[data-kb-block=\"kb-adv-heading1880_4492a5-bf\"]{margin-top:-20px;margin-right:-50px;margin-bottom:0px;margin-left:-20px;text-align:center;font-size:9em;line-height:1em;font-weight:600;font-style:italic;font-family:Jost;text-transform:uppercase;text-shadow:0px 0px 22px rgba(27,0,79,0.11);}.wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf[data-kb-block=\"kb-adv-heading1880_4492a5-bf\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1880_4492a5-bf[data-kb-block=\"kb-adv-heading1880_4492a5-bf\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and 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0z\"\/><\/svg><\/span><\/div>\n<\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b, .wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b[data-kb-block=\"kb-adv-heading1880_fc1636-1b\"]{margin-top:20px;margin-bottom:23.5px;line-height:1em;font-style:normal;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b[data-kb-block=\"kb-adv-heading1880_fc1636-1b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b[data-kb-block=\"kb-adv-heading1880_fc1636-1b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b, .wp-block-kadence-advancedheading.kt-adv-heading1880_fc1636-1b[data-kb-block=\"kb-adv-heading1880_fc1636-1b\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading1880_fc1636-1b wp-block-kadence-advancedheading has-theme-palette-9-color has-text-color\" data-kb-block=\"kb-adv-heading1880_fc1636-1b\">Get personalized, no-obligation employee benefits solutions designed around your business and workforce. Share a few details about your company to explore plan options, review eligibility, and connect with a benefits specialist whenever guidance is needed. There\u2019s no cost to evaluate coverage options that fit your budget.<br>There is no one-size-fits-all approach to employee benefits. We offer a wide range of solutions\u2014from health and wellness programs to comprehensive group insurance plans\u2014giving you access to high-quality coverage at competitive rates.<br>Your partnership doesn\u2019t end at enrollment. You and your employees receive year-round support, access to an in-house Employee Response Center, and a dedicated benefits team to manage provider negotiations, open enrollment, compliance support, and ongoing benefits administration.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns1880_f2554b-42, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns1880_f2554b-42, .wp-block-kadence-advancedbtn.kb-btns1880_f2554b-42, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns1880_f2554b-42{margin-top:40px;margin-right:0px;margin-bottom:-5px;margin-left:0px;}.wp-block-kadence-advancedbtn.kb-btns1880_f2554b-42{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-start;align-items:center;}.kt-btns1880_f2554b-42 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns1880_f2554b-42{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns1880_f2554b-42\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn1880_0c92a7-c1.kb-button{width:initial;}<\/style><a class=\"kb-button kt-button button kb-btn1880_0c92a7-c1 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-false wp-block-button__link wp-block-kadence-singlebtn\" href=\"\/get-started-corporate\/\"><span class=\"kt-btn-inner-text\">Get Quote<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<div style=\"height:120px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Critical &amp; Terminal Illness Coverage Critical and Terminal Illness benefits provide employees with financial protection if diagnosed with a serious or life-threatening condition. 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