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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 much Critical Illness coverage am I able to purchase?

First decide who do I want to cover? Just myself, myself and my spouse, myself and my children, or my entire family? 

You do NOT need to cover the same dependents you cover under your medical plan. 

There are three levels of coverage available to Federal Employees:

  • Employee: $10,000; $20,000; or $30,000
  • Spouse: same level as Employee
  • Dependent children: $5,000 with any selected coverage amount.