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Critical Illness Coverage

Puhl benefits programPuhl Employee Benefits is now pleased to introduce ‘guaranteed issue’ Critical Illness Coverage available to all COPA members!

With Critical Illness Insurance, you receive a tax-free benefit if you are diagnosed with a covered critical illness and survive for at least 30 days.  You can use this amount to cover your living expenses or to manage additional expenses that may be incurred as a result of an illness.  By reducing your financial obligations, you can shift your focus to the most important thing: your recovery.  Our critical illness solution is a comprehensive stand-alone living benefit that offers an extensive list of features not widely available in the industry.

Upon enrollment, each member will have access to a guaranteed $50,000 benefit: as well each member’s spouse will have access to $25,000 in coverage.  This guarantee means that you cannot be denied coverage due to any kind of medical or family history.  Our enhanced protection covers the following 25 illnesses:

Alzheimer’s disease

Kidney failure

Aortic surgery

Loss of limbs

Aplastic anemia

Loss of speech

Bacterial meningitis

Major organ failure on waiting list

Benign brain tumor

Major organ transplant


Motor neuron disease

Cancer (life threatening)

Multiple sclerosis

Cancer (see Supplementary Benefit below) 

Occupational HIV infection



Coronary artery bypass surgery

Parkinson’s disease


Severe burns

Heart attack

Stroke (cerebrovascular accident)

Heart valve replacement



Built-In Supplementary Benefit


The diagnosis of one of the following conditions provides you with an additional payment of $5,000:

  • Coronary angioplasty
  • Skin cancer
  • Breast cancer
  • Prostate cancer

Following payment of the supplementary benefit, the insurance amount is not reduced and your policy remains in force.

 Assistance Benefit

Included free of charge, our assistance benefit provides you with the following services:

  • Second medical opinion
  • Medical referral
  • Administrative services
  • Hospital admission and accommodation assistance outside the province or country
  • Psychological assistance
  • Medical assistance
  • Convalescence assistance
  • Domestic assistance
  • Legal assistance


The risk of being diagnosed with a critical illness is high and surviving it is even higher.

Do you have a plan for financial support while you recover from an illness?

For full policy details and premium rates call 1-855-234-3808 or e-mail us at 

Or visit our website at for rates and online enrollment.