Medical coverage will help your employees with a large portion of the medical expenses associated with the treatment of critical illnesses, but, what about the out-of-pocket medical expenses? What about the expenses associated with life change following a critical illness? Consider an employee who suffers a stroke that leaves him paralyzed. Will medical insurance, life insurance or disability insurance pay for the construction of a wheelchair access ramp on the employee’s home? What about job retraining? Critical Illness Insurance provides protection for employees and their family against the financial challenges associated with surviving a critical illness, allowing them to make recovery their life’s priority.