Critical Illness ProtectionUnited Healthcare Logo

LSU partners with UnitedHealthcare to provide you and your family with valuable Critical Illness insurance. This benefit is designed to help protect you and your family’s financial health. Critical Illness insurance can help fill a financial gap if you or a family member experiences a severe, life-threatening illness, such as cancer, heart attack, and major organ transplant. Upon diagnosis of a covered illness, you can receive a lump-sum benefit. 

What is Covered? 

Base Additional Conditions Child Only Conditions
  • Benign Brain Tumor
  • Cancer - Invasive
  • Cancer - Non-Invasive*
  • Chronic Renal Failure
  • Stroke
  • Coronary Artery Disease*
  • Heart Attack
  • Heart Failure
  • Major Organ Failure
  • Permanent Paralysis
  • Amyotrophic Lateral Sclerosis (ALS)
  • Complete Blindness
  • Complete Loss of Hearing
  • Advanced Alzheimer's
  • Advanced Multiple Sclerosis
  • Advanced Parkinson's 
  • Cerebal Palsy
  • Cleft Lip/Palate
  • Cystic Fibrosis
  • Down Syndrome
  • Muscular Dystrophy
  • Spina Bifida

25% of Employee's Amount

One benefit payable per covered child

*Partial Benefit – See Benefit Summary or Certificate of Coverage for more information.

Guarantee Issue Limits*

Critical Illness Employee Spouse Child(ren)
Low $10,000 $5,000 $2,500
Mid $20,000 $10,000 $5,000
High $30,000 $15,000 $7,500

*If you purchase coverage for yourself, you may buy coverage for your eligible dependents.  

Critical Illness Protection Premiums 

Rates for employee and spouse are based on the age of the employee. Child(ren) coverage is a set amount. For a listing of rates, please see the Premium Rate Sheet. Premiums are deducted post-tax.


Additional Benefits

The plan will pay up to $100 per year if you have certain health-screening tests, such as a mammogram, colonoscopy, or chest x-ray. You must file a wellness claim form in order to receive this payment. A more detailed list of approved wellness exams can be found on the claim form. 

Under the Restoration Benefit, UnitedHealthcare will reinstate 100% of the Maximum Benefit Amount and will cover the recurrence of the same Critical Illness or an occurrence of another covered Critical Illness within each benefit category.


UnitedHealthcare Customer Service:

Policy #303972

Visit unitedhealthcare


Critical Illness and Dependents can only be changed during Annual Enrollment or due to a qualifying event

insurance eligibility

list of qualifying events

benefit job aids and forms


how to file a claim

claim form

Portability fORM

Wellness benefit claim form

certificate of coverage

Critical Illness Summary of Benefits

Critical Illness Flyer