Why It's Important


Group Critical Illness Insurance is not complicated. It's designed with features that are easy to understand. This coverage can provide a lump-sum benefit, paid directly to you, to help cover medical costs, mortgage payments, childcare, or even groceries. 

Portable; Take It With You

You can take the coverage with you and continue to stay protected, even if you change jobs and leave the company.2


You can apply for Group Critical Illness Insurance right at work. Coverage is available to actively at work employees. You can access educational resources or get guidance 24 hours a day from MassMutual.

 Group Critical Illness Insurance (GPCI), (policy/certificate forms MM-GPCI-2015 and MM-GCCI-2015, and MM-GPCI-2015 (NC) and MM-GCCI-2015 (NC) in North Carolina) is limited benefit, non-participating group insurance. The GPCI policy and GCCI certificates are issued by Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001.


MASSMUTUAL GROUP CRITICAL ILLNESS/SPECIFIED DISEASE INSURANCE PROVIDES LIMITED BENEFITS.  Like most group accident and health insurance policies, this policy has exclusion, benefit reduction and limitation provisions, which may affect any benefits payable and does NOT provide basic hospital, basic medical or major medical insurance. Some benefits have limited availability based on age. Benefits payable are subject to the terms and conditions of the policy. MassMutual has the right to change rates and may cancel the policy at any time. The policy, its name, provisions, covered conditions, and optional riders may vary or be unavailable in some states. See the actual policy or contact your MassMutual representative for specific provisions and details of availability.

Portable2 Coverage employees can take with them, if they leave the company

Who is this coverage right for?

Regardless of where employees are in their lives, if they depend on earning an income and are suddenly struck with a critical illness, would their nest egg suffer a financial impact? Whether single, married with kids or an empty nester, Group Critical Illness Insurance can help provide your employees with the ability to recover without additional financial pressures.

A critical illness can happen to anyone at any time. Did you know...

The majorty of cancer survivors (64%) were diagnosed 5 or more years ago.3

15% of cancer survivors were diagnosed 20 or more years ago.3

Every year about 735,000 Americans have a heart attack.4 Of these, 525,000 are a first heart attack and 210,000 happen in people who have already had a heart attack.5


1 A limited supplemental insurance that is also referred to as Group Specified Disease Insurance.

2 Portability is not available in all states

3 American Cancer Society. Retrieved from http://www.cancer.org/cancer/cancerbasics/cancer-prevalence

4 https://www.cdc.gov/heartdisease/heart_attack.htm

5 https://www.cdc.gov/dhdsp/data_statistics/fact_sheets/docs/fs_stroke.pdf

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