Critical Illness Insurance

Critical illness insurance can help provide financial protection in the event of a covered critical illness¹. You may choose a benefit amounts of $10,000, $20,000 or $30,000. Coverage is available for yourself as an employee of Barnes Aerospace, but also your spouse and children.  Any coverage for your family members would be equal to 50% of your elected policy face value.

Critical Illness Benefits Summary

Covered critical illnesses and payment percentages include:

• 100% for heart attack, stroke, major organ failure, permanent paralysis, end-stage renal (kidney) failure, coma as the result of a severe traumatic brain injury, benign brain tumor, blindness and cancer
• 25% for coronary artery bypass surgery and carcinoma in situ

No evidence of insurability is required - after making your election, plan premiums are deducted from your paycheck. Coverage begins on the first of the month in which you have your first payroll deduction for premiums.

Coverage available up to $30,000

This benefit depends on the level of coverage you select. Coverage for your spouse and children is also available and will be determined based on 50 percent of your coverage level. The money is paid to you directly, so you can use it for whatever you need.

• Help offset loss of a paycheck
• Pay your medical plan deductible, coinsurance or copay
• Pay expenses not covered by health insurance
• Pay normal living expenses (mortgage, car payments, utility bills, child care, groceries, credit card bills, etc.)

¹Please refer to the policy for complete definitions of covered critical illnesses

We’re committed to making claims submission easy for you, by offering a simple, straightforward process that helps you focus on your recovery.

You'll simply need to collect required documentation, fill out a form, and submit your claim by mail, by fax, or via the Guardian website. Your claim will typically be reviewed within 4 to 6 business days.

For more details, click the link below.

Submitting a critical illness insurance claim

Critical illness insurance claim form

This is not intended to be a complete description of the insurance coverage available to you. The policy has exclusions and limitations, which may affect any benefits payable. For complete details of coverage and availability, please refer to the Critical Illness Policy. 

• Benefits will not be paid for a specified critical illness that occurs as a result of: transient ischemic attacks; balloon angioplasty; laser relief or other like procedures; your participating or attempting to participate in an illegal activity; your committing or attempting to commit suicide or injuring yourself intentionally, whether you are sane or not; your practicing for or participating in any semiprofessional or professional competitive athletic contest for which any type of compensation or remuneration is received; or your involvement in any period of armed conflict, even if it is not declared.
   
• The benefit amounts for employees is reduce by 50% on the first policy anniversary after the insured’s 70th birthday. Premiums for the policy will not be reduced.