Critical Illness & Cancer Insurance for Employees in NJ
A Financial Safety Net When Serious Illness Strikes
A cancer diagnosis or major health event like a heart attack can turn life upside down—not just emotionally, but financially. Even with health insurance, employees often face significant out-of-pocket costs for deductibles, co-pays, and treatments not fully covered. That’s why many small businesses in South Jersey choose to offer critical illness and cancer insurance as part of their benefits package.
This supplemental coverage provides a lump-sum payment directly to the employee, helping them focus on recovery instead of bills.
How Critical Illness & Cancer Insurance Helps
These policies are designed to pay cash benefits for treatments and procedures related to covered events. Some benefits are unlimited. Commonly covered illnesses include
- Cancer
- Heart Attack
- Stroke
- Organ Transplant
- Major Medical Events (depending on the plan)
Employees can use the payout however they choose—medical bills, household expenses, childcare, or anything else they need during treatment and recovery.
Coverage Details You Can Count On
Hensh Group works with trusted carriers like Aflac and Colonial Life to deliver flexible coverage options for businesses across New Jersey. Typical features include:
Lump-Sum Benefit
Often $10,000 or more upon diagnosis.
Use Funds Your Way
No restrictions on how the benefit is spent.
Simple Enrollment
Usually no medical exams required for voluntary group coverage.
Our team will walk you through plan design, eligibility, and the most cost-effective way to offer this benefit.
Why Add Critical Illness & Cancer Coverage to Your Benefits Package?
Serious illnesses are a leading cause of financial hardship—even for insured employees. Offering this coverage:
- Shows You Care – Protects employees beyond traditional health insurance.
- Flexible Cost Options – Plans can be employer-paid or voluntary (employee-funded with payroll deductions).
- Boosts Employee Loyalty – Employees value benefits that help in life’s toughest moments.
For small businesses in South Jersey, this is an affordable way to provide real peace of mind.
Easy to Add for Employees
Critical illness and cancer plans can be offered alongside health insurance during open enrollment or as a voluntary benefit any time of year. Hensh Group handles education, enrollment, and ongoing support, making implementation stress-free for your team.
Serving South Jersey Businesses Like Yours
From Williamstown and Glassboro to Cherry Hill and Atlantic County, we work with local employers to build supplemental benefit packages that truly make a difference.
Take the Next Step
Give your employees a financial cushion when they need it most. Contact Hensh Group Insurance today to learn more about critical illness and cancer insurance options for your team.
