---
title: Individual Critical Illness coverage and it's surprising benefits - including LTC coverage
description: Critical Illness is a fast growing benefit - with some surprising advantages.  This slideshare explores some options.
---

<https://www.ltcipartners.com/blog>

# [Individual Critical Illness coverage and it's surprising benefits - including LTC coverage](https://www.ltcipartners.com/blog/individual-critical-illness-coverage-and-its-surprising-benefits-including-ltc-coverage)

 Written by [Tom Riekse Jr](https://www.ltcipartners.com/blog/author/tom-riekse-jr) | Dec 9, 2014 9:00:00 PM

Critical Ilness Insurance has been growing fast in the last 10 years - according to LIMRA it has grown from $46 million in premium in 2005 to over $332 million.  At the rate sales are going, Critical Illness will surpass standalone LTCI premiums one year.

In addition to paying a lump sum after the diagnosis of cancer, heart attack or stroke some criticall illness plans also have LTC style benefit triggers, including a loss of independent living or severe Alzheimers.

One way Critical Illness is different than long-term care coverage is how big the typical benefit is.  The normal Criticall illness policy has a maximum benefit of around $15,000 and is sold through the worksite through payroll deduction[.That coverage level may not be enought for advanced cancer care however!](http://health.usnews.com/health-news/patient-advice/articles/2014/08/06/can-you-afford-your-cancer-care) **  
**

How do you get bigger benefits?  Through the use of medical underwriting. In the group marketplace, medical underwriting is a dirty word.  However, in the individual marketplace people can use their good health to secure bigger benefits at a lower premium.  In fact, lump sum benefits up to $500,000 are available through some individual products.

Here's a slide share with some other surprising facts on Critical Illness - take a look.

 

 

 

[View full post](https://www.ltcipartners.com/blog/individual-critical-illness-coverage-and-its-surprising-benefits-including-ltc-coverage)

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