Critical Illness

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Group Critical Illness Insurance for Employees

When the unexpected happens

Supporting employee health can help your business recruit and retain top talent. One way to standout in Canada’s competitive hiring market is to offer your employees critical illness insurance as part of your comprehensive group benefits plan.

Critical illness insurance reduces the financial strain your employees may face if they suffer from a life-threatening illness, such as cancer, a heart attack, stroke and more. The tax-free, lump sum benefit will help your employees focus on recovery.

Plus, buying critical illness insurance for a group of employees allows you to offer your staff with affordable rates that tend be lower than if they were to purchase a policy on their own.

Provide your employees with the peace of mind that comes with knowing they are well-protected and will be able to manage financially if they suffer from a critical illness.

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Understanding Group Critical Illness Insurance

Group critical illness insurance benefits

If an employee is diagnosed with a life-threatening illness and survives, critical illness insurance will provide a tax-free payment to help them and their family out financially.

There are no limitations on this benefit. So, your employee can choose to spend the money as needed to help during the period of recovery after critical illness. For example, they may use it to:

  • Replace or supplement their income during their recovery period.
  • Allow their partner to take time off work so to provide caregiver support.
  • Cover alternative or experimental medical treatments.
  • Renovate their home to make it accessible.

It’s also important to note that the employee must survive this illness. If they pass away, they would not be covered (a group life insurance policy would be needed to provide financial help for their family).

Generally, the individual must survive for at least 30 days after the onset or diagnosis of the critical illness to receive critical illness insurance benefits. Again, this time period may vary by the insurer so it’s important to understand your policy.

Medical conditions covered by group critical illness insurance

Medical conditions covered by critical illness insurance will vary depending on the individual insurer. The four most common covered illnesses are:

  • Heart attack
  • Stroke
  • Cancer
  • Coronary bypass

That said, some insurers will cover up to 30 illnesses! This may include:

  • Alzheimer’s disease
  • Bacterial Meningitis
  • Blindness
  • Brain injuries
  • Burns
  • Coma
  • Deafness
  • Kidney failure
  • Loss of speech or limbs
  • Loss of independent existence
  • Major heart surgeries
  • Major organ transplant
  • Motor neuron disease
  • Multiple Sclerosis
  • Paralysis
  • Parkinson’s disease

Generally, the illness must be considered life-threatening, and some insurers dictate there must be permanent damage or life-changing impact, but this varies.

Each insurer is different, and one will cover one type of critical illness while another will not. That’s why it’s important to work with a critical illness insurance broker at Rogers Insurance to ensure your company gets the best policy possible for your employees.

Creating a group critical illness insurance plan for your business

When creating a group critical illness insurance plan, you’ll want to balance the needs of your business and your employees. The process is flexible, and our specialty critical illness insurance brokers will work with you to create a customized plan that is unique for your organization.

Some things you’ll want to consider include:

Benefit amount:

When determining the benefit amount an employee will receive if they suffer from a critical illness, you can choose between:

  • Multiple of salary: You may opt to cover your employees by a multiple of their salary, up to a maximum amount.
  • Fixed benefits: You may opt to offer all employees a set benefit amount, regardless of their salary.


When determining which employees will qualify for your group critical illness plan, you may want to consider factors such as:

  • Entry period: Will your employees qualify for the benefit immediately when joining the company or after their probation period?
  • Employment Arrangements: Will only permanent full-time employees qualify? Or will you also consider temporary and part-time employees?

Optional benefits

You may choose to provide optional benefits, including coverage for employees’ partners and children.

One of our specialty critical illness insurance brokers can guide you through the entire process and help create a plan that aligns with your business goals and budget.

Why Should Your Business Provide Group Critical Illness Insurance?

Canadians suffer from a life-threatening illness more often than you may think. In fact, nearly half of all men and women in Canada are expected to be diagnosed with cancer at some point in their lifetime.

Fortunately, the survival rate for cancer and other critical illnesses—such as heart attack and stroke—are increasing thanks to medical advancements. Unfortunately, recovering from a life-threatening illness can cause significant financial stress, be it paying for treatments or not being able work while recuperating.

By providing your employees with critical illness insurance, they will be able to cope financially as they focus on recovery.

Critical illness insurance benefits also help to fill the gap between what is covered through group disability insurance and group life insurance plans. These three plans are complementary and provide comprehensive coverage that your employees can count on.

How Much Does Group Critical Illness Insurance Cost?

Group critical illness insurance rates will vary as they are based on several factors, including the:

  • Benefit amount
  • Number and age of your employees
  • Number of and types of covered critical illnesses

Creating a plan is a flexible process and one of our expert critical illness insurance brokers can work with you to develop a plan based on your business goals.

Choosing Rogers Insurance for Group Critical Illness Insurance

Rogers Insurance works with the largest and best group benefit providers in Canada to design a plan that works for your company and employees. We will create a group critical illness insurance plan that works for your business needs and budget.

Our brokers are experienced in group critical illness insurance and are here to help and advise you through the entire process—from quote to claim. You’ll notice a difference with our hands-on, human approach to insurance.

Contact us today for a group critical illness insurance quote or to find out more about this coverage.

Help your employees focus on recovering from cancer, stroke or heart attack with group critical illness insurance.

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