Group Products
HM Worksite Advantage
Critical Illness
The HM Worksite Advantage group Critical Illness product includes features that appeal to employers seeking benefits that their employees will value. Our Critical Illness insurance pays benefits directly to the covered individual, with no coordination of benefits, is compatible with High Deductible Health Plans and provides protection to employees and their families in the event of a life-changing illness.
HM’s Critical Illness pays a lump sum benefit upon:
- Initial diagnosis
- Reoccurrence (see chart)
- Additional covered occurrences
Other benefits include:
- Annual health screening benefit is included
- Coverage is guaranteed issue for all group sizes when participation requirements are met
- Benefit amounts range from $2,500 to $200,000
- Spouse* is eligible for up to 100% of employee benefit amount
- Children automatically receive up to $20,000, or 25%, of the employee benefit
- Employer payment increases guaranteed issue amounts
*May include domestic partner
| Critical Illness | Percent of Face Amount |
| Myocardial Infarction (Heart Attack) | 100%†† |
| Stroke | 100% |
| Invasive Cancer | 100%†† |
| Major Organ Transplant | 100% |
| End-stage Renal Disease (Kidney Failure) | 100% |
| Loss of Sight, Speech or Hearing | 100%† |
| Coma | 100%† |
| Paralysis | 100%† |
| Coronary Artery Bypass | 25%† |
| Carcinoma in Situ | 25%† |
| Skin Cancer | 10%† |
†Payable once per lifetime.
†† Benefits paid for Carcinoma In Situ, Skin Cancer and Coronary Artery Bypass
Surgery reduce the benefit payable for subsequently diagnosed Invasive Cancer
and Heart Attack, respectively.
HM Life Insurance Company
Critical Illness Highlights (PDF)
Exclusions and Limitations (PDF)
Definitions (PDF)
HM Life Insurance Company of New York
Critical Illness Highlights (PDF)
Exclusions and Limitations (PDF)
Definitions (PDF)
Certain exclusions and limitations apply. Product may vary by state and is subject to all applicable state rules, laws and regulations.
