Securian Financial

Critical illness insurance

Issued by Securian Life Insurance Company

Why critical illness insurance?

If you’re diagnosed with a critical illness, it’s important to focus on your recovery — instead of worrying about your finances.

Critical illness insurance is a supplemental health benefit for both full- and part-time Googlers. And it’s a cost-effective way to help with everyday expenses or medical costs. If you have a heart attack or stroke — or you’re diagnosed with Alzheimer’s disease or another critical illness.

More benefits of critical illness insurance

  • No medical questions or health exam
  • Includes diagnoses made by a licensed provider outside of the United States
  • Covers you, your spouse/domestic partner, child(ren) and/or dependent parent(s)

A dependent parent is either you or your spouse/domestic partner’s dependent parent who is a biological parent, stepparent or adoptive parent. A dependent parent must also satisfy one of the following:

1. Is claimed as a dependent on the IRS income tax forms; or

2. Is financially dependent on the insured for more than half of their out-of-pocket support costs, including but not limited to, food, housing, clothing and medical services.

Learn more

Interested in more details about your critical illness insurance benefit, what illnesses are covered, and how it can help you and your family?

View brochure

How to enroll

Elect critical illness insurance through go/gBenefits during open enrollment, or within 31 days of a qualified life event or your hire date.

Critical illness insurance questions?

Call 833-745-5516 to chat with a Securian Financial customer service representative, Monday-Friday 5 a.m.–5 p.m. Pacific Time or email Securian Financial at googlesupport@securian.com

Enrollment questions?

Visit go/benefits-support.

Need to file a claim?

Visit securian.com/benefits

  1. Select “Employer” under report a new claim
  2. Select “Start a new claim”
  3. Answer all questions to the best of your ability and type “Google” when prompted to enter “Company Name”

Initial critical illness care cost scenarios*

According to the Centers for Disease Control and Prevention (CDC), cancer is the second-leading cause of death in the United States.1 Other expenses in addition to health-related bills can quickly add up if you’re diagnosed with a critical illness like cancer.

But with critical illness insurance through Securian Financial, you and your family can be more financially prepared — and keep more money in your pocket if you get sick.

Here are three examples (assuming in-network utilization) of the typical first-year expenses associated with breast, colon and lung cancer:

*Actual experience and benefit payouts may vary. Claims are reviewed based on the certificate of coverage in effect on the date of the covered critical illness.

SCENARIO 1

Breast cancer initial care expense2 $34,980

Breast cancer chart Anthem gHIP deductible for Googlers only is $1,400. 10% Co-insurance of $1,192. This equates to a total Googler medical cost of $2,592 Anthem gHIP deductible (Googler only) $1,400 Co-insurance of 10% $1,192 Anthem gHIP out-of-pocket maximum ($2,600) N/A Total Googler medical cost $2,592 Anthem gHIP deductible (Googler only) Co-insurance (10%) Anthem gHIP out-of-pocket maximum ($2,600) Total Googler medical cost* $1,400 $2,600 N/A $4,000

SCENARIO 2

Colon cancer initial care expense2 $66,524

Colon cancer chart Anthem PPO deductible for Googlers and domestic partner is $800. 10% Co-insurance of $2,375. This equates to a total Googler medical cost of $3,175 Anthem PPO deductible (Googler and domestic partner) $800 Co-insurance of 10% $2,316 Anthem PPO out-of-pocket maximum ($5,000) N/A Total Googler medical cost $3,116 Anthem PPO deductible (Googler and domestic partner) Co-insurance (10%) Anthem PPO out-of-pocket maximum ($5,000) Total Googler medical cost* $800 $5,000 N/A $5,800

SCENARIO 3

Lung cancer initial care expense2 $68,293

Lung cancer chart Kaiser NorCal/SoCal out-of-pocket maximum of $5,000. This equates to a total Googler medical cost of $5,000 Kaiser NorCal/SoCal deductible (Googler and children) Co-insurance Kaiser NorCal/SoCal out-of-pocket maximum ($5,000) Total Googler medical cost* $0 $0 $5,000 $5,000

*Total Googler health out-of-pocket cost (initial care)
The election options and out-of-pocket cost information provided by Google. These election options are not affiliated with Securian Financial Group or its group contracts and may be subject to change.


Dollar bills Animation of dollar bills stacking up.

Securian Financial pays you up to $30K

That’s right. Your critical illness plan provides a $15,000 or $30,000 cash payment, depending on your election. So if you are diagnosed with a covered critical illness, you may use this benefit to keep your out-of-pocket expenses to a minimum.

The cash payment you receive from Securian Financial does not have to be used to pay your health insurance out-of-pocket costs. It can also be used for any unexpected costs (medical or non-medical).

Additional expenses to consider if you get a serious illness

Travel

  • Hotel
  • Gas
  • Food

Household

  • Groceries
  • Cleaning service
  • Repairs/other bills
  • Spouse/domestic partner loss of income

Child care

  • Daycare/nanny
  • School costs
  • Medical bills

Petcare

  • Pet sitter
  • Food
  • Medicine

1. “National Center for Health Statistics: Deaths And mortality.” CDC.gov, last updated January 17, 2023.

2. National Cancer Institute Cancer Trends Progress Report. "Online Summary of Trends in US Cancer Control Measures: Financial Burden of Cancer Care." Progressreport.cancer.gov, last updated April 2022.

The Critical Illness Insurance product being offered is not Major Medical Insurance and is not a substitute for Major Medical Insurance. Additionally, this product does not qualify as minimum essential health coverage under the Federal Affordable Care Act, nor does it satisfy the Federal requirement, effective January 1, 2014, that you have health insurance coverage.

Other benefit limitations may exist and vary by covered benefit. Please refer to your plan documents for more information. This presentation provides general information to the recipient. Securian Life cannot provide legal or tax advice with respect to ERISA; Health Savings Account (HSA) laws, rules or regulations, any applicable tax laws, rules or regulations; or any other applicable federal or state laws, rules or regulations. Any questions regarding these topics should be directed to your legal and tax advisors. Group critical insurance is issued by Securian Life Insurance Company, a New York authorized insurer headquartered in St. Paul, MN.

This policy provides limited benefits. This policy has exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact Securian Financial Group. This is a summary of plan provisions related to the insurance policy issued by Securian Life. In the event of a conflict between this summary and the policy and/or certificate, the policy and/or certificate shall dictate the insurance provisions, exclusions, all limitations, and terms of coverage. Products are offered under policy form series is 18-32550.4 Benefits for covered conditions will be payable upon a diagnosis of a covered condition that satisfies the requirements of the policy and when all other policy requirements are met.

Product availability and features may vary by state.

Some states may refer to this product as specified disease insurance. Critical illness insurance is issued by Securian Life Insurance Company, a New York authorized insurer headquartered in St. Paul, MN.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries. Securian Life Insurance Company is a subsidiary of Securian Financial Group, Inc.

DOFU 4-2023
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