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Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2007- an estimate of over 500,000. This is a 50% increase over results from a similar 2001 study.
Council for Disability Awareness - 2010
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Q: What is Critical Illness insurance?

A lump sum benefit paid directly to you when you or a dependent is diagnosed with a covered illness while insured under the policy.