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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: How does Critical Illness coverage work?

You and your dependents are eligible for coverage. 

You choose the amount of coverage ($10,000; $20,000; $30,000) available at the time of enrollment.

Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness.