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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Q: Why consider a benefit like Critical Illness Insurance?

Critical Illness Insurance is designed to complement your health plan and provide an additional financial safety net if you or one of your family members are diagnosed with a covered critical illness. This benefit pays out a lump sum amount (like a life insurance face amount) upon initial diagnosis of a covered critical illness.  You can use that money however you want to use it, whenever you want to use it.

If a previously covered illness returns, or you’re diagnosed with an additional covered illness, benefits remain payable up to the benefit maximum for as long as you are insured under the policy (subject to plan terms and conditions).