Critical Illness Insurance

Receive financial support if you or a covered dependent is diagnosed with a serious medical condition. Voya administers Critical Illness Insurance.

Critical Illness Insurance is a voluntary benefit that supplements your medical and disability insurance. It pays a lump sum if you or a covered family member is diagnosed with a covered illness or condition, like a heart attack or stroke. The benefit amount depends on the nature of the illness/condition and the plan. Payments are made directly to you and can be used however you see fit.

Here’s a high-level overview of Critical Illness Insurance. For more information, go to Voya.

Features
Who You Can Cover You may cover yourself, your spouse/domestic partner and/or dependent children.
What’s Covered

Covered illnesses/conditions include heart attack, stroke, transplants, cancer, infectious disease, paralysis, advanced Alzheimer’s and more.

Benefit payments can be used however you want (e.g., for everyday expenses, lost income, child care, deductibles, copays) and are paid in addition to any other coverage you may already have.

Benefit Amount

The benefit amounts depend on the nature of the illness/condition and the plan you are enrolled in as follows:Low Plan:

  • You and your spouse/domestic partner: Up to $10,000
  • Your children: Up to $5,000

High Plan:

  • You and your spouse/domestic partner: Up to $20,000
  • Your children: Up to $10,000

You pay the full cost of Critical Illness Insurance through automatic, after-tax payroll deductions. See Critical Illness Insurance Premiums.

Wellness Benefit If you or your spouse/domestic partner complete a health screening, you will each receive $50, payable once a year from Voya. Each child who completes a health screening will also receive $50. Learn More.
Filing a Claim Once your coverage goes into effect, you can file a claim for covered illness/condition on the Voya website.
Portability (When you leave BMO) If you leave BMO or retire, you can take your coverage with you.

Support from Voya Cares®

Voya Cares® provides advocacy, financial planning resources and solutions to support the financial well-being of people with special needs or disabilities and their caregivers. LEARN MORE

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Resources Centre

1-888-927-7700

Monday – Friday, 8 a.m. – 5 p.m. CT.