Critical Illness Insurance

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

Critical Illness Insurance is a voluntary benefit that supplements your medical and disability insurance. It pays a lump sum if you are diagnosed with a covered illness or condition, like a heart attack or stroke.

Here’s a high-level overview of Critical Illness Insurance. For more information, review the Critical Illness Insurance Benefit Summary.

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

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 receive $25, with an annual maximum of $100 for all children.

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

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.

Need assistance?

Call the Human Resources Centre
Monday through Friday, from 8 a.m. to 5 p.m. CT.