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Guardian Survey: Men are Twice as Likely as Women to Use Credit Cards to Pay for Major Health Expenses
Date:9/10/2008

ee a doctor or alternative medicine practitioner who is out of their plan's network they will likely have to pay a portion or all of the bill out of their pockets with a traditional medical plan. But a critical illness policy can provide the cash and flexibility needed to pay for this supplemental care.

Long-term care insurance and accelerated death benefits may provide a lump sum of cash, but it is not based simply on a diagnosis of a major illness. Consumers generally have to lose the ability to independently manage a few of their activities of daily living (bathing, dressing, eating, getting in and out of bed, toileting, walking) to receive a benefit.

Disability insurance replaces a portion of the income that you lose due to a disability and you usually have to wait more than thirty days before you receive money. With a critical illness policy you can receive money a short time after being diagnosed with a major health issue.

Additionally, new generations of critical illness policies provide coverage for hospital stays without regard to the particular illness. Older generations of critical illness only covered very specific illnesses.

"Critical illness is an affordable way to complement disability, long-term care, high deductible health plans and traditional (HMO, PPO) medical insurance," said Petruzzi. "In today's world where consumers have limited cash reserves and savings, they can create financial leverage with insurance. An insurance protection plan that includes critical illness in combination with these other products can help to bring peace of mind to families when they need it the most."

Guardian specializes in providing employee benefits to small and mid-size companies. Guardian serves more than 120,000 employers, and 6 million employees and their families. The company has issued a series of educational surveys and reports to help employees, employers and benefit decision makers better understand how they can jumpstart
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SOURCE The Guardian Life Insurance Company of America
Copyright©2008 PR Newswire.
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