Critical Illness Protection

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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 specific  

Critical Illness Protection Premiums 

  • Premiums are deducted post-tax
  • Premiums are calculated based on age
  • Deductions are made the month prior to coverage effective date
  • Effective date is 1st of the month following a full month of employment

Guarantee Issue Limits*

Employee: $10,000 or $20,000

Spouse: $5,000 or $10,000

Child(ren): $2,500
*If you purchase coverage for yourself, you may buy coverage for your eligible dependents.  

Wellness Benefit

Wellness Benefit - $100 per year

*Claim Form in right side bar.

Health Screening Tests:

  • Mammogram
  • Colonoscopy
  • Chest X-rays
  • And more


UnitedHealthcare Customer Service: 1-888-299-2070

Policy #303972

Visit unitedhealthcare


change benefits

*Critical Illness Insurance can only be added during Annual Enrollment or due to a qualifying event.

List of Qualifying Events

Modify/Change Personal Information (Name/Address)


how to file a claim

claim form

Wellness benefit claim form

coverage policy