A lump sum paid directly to an employee when they are diagnosed with a covered condition. One payment, no receipts, no restriction on what they spend it on.
Worksite benefits are issued to a business, not to a person. A contract requires a minimum of five enrolled employees, and an eligible employee has to be actively at work — seasonal, temporary and part-time staff are not eligible. If you are shopping for yourself rather than for a workforce, this is the wrong section: our individual supplemental coverage is a different product with different rules, and it is linked at the foot of this page.
This is group critical illness insurance, offered through an employer. It is not health insurance, it is not a substitute for major medical coverage, and it cannot be bought by an individual — a contract requires a minimum of five enrolled employees.
The employee chooses a benefit amount when they enrol. On a covered diagnosis the carrier pays it — in full for the major conditions, at a set percentage for the lesser ones. It is paid to the employee, not to a hospital, and nobody asks what it was spent on.
The Cancer-Only plan covers invasive and non-invasive cancer and nothing else. Classic adds the cardiac and stroke conditions. Preferred adds organ failure, renal failure, severe burns, paralysis and the progressive diseases — dementia, Parkinson's, ALS, multiple sclerosis. The full table is below. The gap between Cancer-Only and Preferred is the widest choice in this section and it is worth walking a workforce through.
On the Classic and Preferred plans two separate provisions matter more than most employers realise. A recurrence benefit pays again for the same condition after a treatment-free period, and an additional occurrence benefit pays again for a different condition after a gap. A plan that pays once and closes is a materially different product from one that does not.
Where the group qualifies on participation, coverage is issued with no health questions up to a set amount, with higher amounts underwritten. The limits are in the carrier detail below. Health questions, where they arise at all, are asked by ManhattanLife on its own application.
Every figure below is transcribed from ManhattanLife Advantage Series Critical Illness brochure ASCI-BR 1022. Benefits, riders and amounts vary by state, and the certificate issued to your group governs.
Employee $5,000 to $50,000, spouse $2,500 to $25,000 (50% of the employee amount) and $5,000 for each eligible child (25% of the employee amount). The benefit is paid directly to the employee, who chooses what to spend it on.
Underwriting is required above $20,000.
Paid at 100% of the benefit amount. Carried on all three plans, including Cancer-Only.
Paid at 25% of the benefit amount. Carried on all three plans, including Cancer-Only.
Pays $250. Carried on the Classic and Preferred plans, not on Cancer-Only.
In Idaho the benefit is $1,000.
Paid at 100% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Paid at 100% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Paid at 25% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Paid at 100% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Paid at 10% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Paid at 10% of the benefit amount. Carried on the Classic and Preferred plans, not on Cancer-Only.
Benign brain tumour, coma, end stage renal failure, loss of sight, speech or hearing, major organ failure, occupational HIV or hepatitis, paraplegia or quadriplegia, and severe burns. Each paid at 100% of the benefit amount. Carried on the Preferred plan only.
Not available in ID. Coma, loss of sight, speech or hearing, paraplegia or quadriplegia and severe burns are not available in Idaho.
Advanced dementia or Alzheimer's, advanced Parkinson's, ALS and multiple sclerosis. Each paid at 100% of the benefit amount. Carried on the Preferred plan only.
Provides an additional benefit for the same covered condition when the insured has been treatment-free for at least 12 consecutive months, available once per recurrence of each covered condition. Embedded in the Classic and Preferred plans, not on Cancer-Only.
The insured must be treatment and symptom free for 12 consecutive months between diagnoses.
Provides an additional benefit when the insured is diagnosed with a new, different critical illness at least 6 consecutive months after a previous diagnosis. Carried on the Classic and Preferred plans, not on Cancer-Only.
Premiums are waived if an insured becomes totally disabled for 180 consecutive days because of a critical illness for which benefits have been paid. Carried on all three plans.
Available as an option on all three plans.
Paid at 100% of the benefit amount. Available on the Preferred plan only.
Not available in ID. Not available in Idaho.
Paid at 25% of the benefit amount for cerebrospinal meningitis, malaria, encephalitis, Legionnaire's disease, necrotizing fasciitis, osteomyelitis and tuberculosis.
Paid at 25% of the benefit amount for cleft lip, cleft lip palate, cerebral palsy, cystic fibrosis, Down syndrome, spina bifida and type 1 diabetes.
Pays $50 when an insured receives a covered screening, up to one per calendar year per insured.
THIS POLICY PROVIDES LIMITED BENEFITS.
Benefits and riders may vary by state and may not be available in all states. This is not a complete disclosure of plan qualifications and limitations. The amount of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
Please refer to the Critical Illness Certificate for a complete list of Covered Conditions.
Yes — that is the whole design. This is not life insurance. It pays on diagnosis of a covered condition, and the point of it is to put money in somebody's hands while they are still dealing with the consequences.
The table below lists what each plan covers and at what percentage, transcribed from the carrier's brochure. The definitions that decide a claim are in the certificate, not in any brochure or on any website, and they are the thing to read before enrolling. We will send it to you.
Generally yes — these pay on their own terms regardless of other coverage. Whether it is sensible to hold both is a different question, and it depends on what the other policy actually pays. Bring it and we will look at it with you.
Tell us roughly how many employees you have and what you are trying to add. We will tell you straight away whether the group qualifies, before either of us spends any more time on it.