Critical Illness

Available for Full-Time and Part-Time Krispy Kremers

Life is sprinkled with surprises. You can’t prepare for all of them, but insurance can help cover some of the bigger ones.

How Does it Work?

Group critical illness insurance provides you with a lump-sum benefit if you’re diagnosed with a covered illness. This benefit will help cover your out-of-pocket medical expenses–or any expenses related to changing your lifestyle as a result of your illness.

During your new hire enrollment period, guarantee issue is available to all eligible Krispy Kremers and family members. You’ll be accepted into the plan, regardless of your current health status, and no health questions will be asked.

Krispy Kremers can also elect up to the guarantee issue during annual enrollment. If you elect more than the guarantee-issue amount, you will be required to complete an Evidence of Insurability application.

This coverage is available to Krispy Kremers through Prudential.

Bonus Wellness Incentive!

After you participate in critical illness insurance for 30 days, you and your covered spouse may receive up to an annual $50 benefit when you complete a covered screening test. Examples include a stress test, fasting blood glucose test, mammography, colonoscopy, Pap smear and blood test for prostate cancer.

Your Cost for Coverage

If you choose to elect Critical Illness coverage, the amount you pay depends on whether or not you’re a tobacco user and if you elect coverage for yourself and/or for your spouse.

2022 Weekly Paycheck Contributions

Employee Critical Illness — $10,000 benefit

Employee’s Age Non-Tobacco User Tobacco User
<30 $1.03 $1.47
30 – 39 $1.56 $2.37
40 – 49 $2.97 $4.67
50 – 59 $5.73 $9.27
60 – 64 $8.43 $13.72
65 – 69 $11.20 $18.27
70+ $15.73 $25.74

Employee Critical Illness — $20,000 benefit

Employee’s Age Non-Tobacco User Tobacco User
<30 $1.77 $2.64
30 – 39 $2.83 $4.44
40 – 49 $5.64 $9.06
50 – 59 $11.18 $18.24
60 – 64 $16.58 $27.15
65 – 69 $22.12 $36.24
70+ $31.17 $51.20

Employee Critical Illness — $30,000 benefit

Employee’s Age Non-Tobacco User Tobacco User
<30 $2.50 $3.82
30 – 39 $4.10 $6.52
40 – 49 $8.32 $13.44
50 – 59 $16.63 $27.22
60 – 64 $24.73 $40.58
65 – 69 $33.03 $54.22
70+ $46.60 $76.65

Spouse Critical Illness — $5,000 benefit

Spouse’s Age Non-Tobacco User Tobacco User
<30 $0.66 $0.88
30 – 39 $0.92 $1.33
40 – 49 $1.63 $2.48
50 – 59 $3.01 $4.78
60 – 64 $4.36 $7.00
65 – 69 $5.75 $9.28
70+ $8.01 $13.02

Spouse Critical Illness — $10,000 benefit

Spouse’s Age Non-Tobacco User Tobacco User
<30 $1.03 $1.47
30 – 39 $1.56 $2.37
40 – 49 $2.97 $4.67
50 – 59 $5.73 $9.27
60 – 64 $8.43 $13.72
65 – 69 $11.20 $18.27
70+ $15.73 $25.74

Spouse Critical Illness — $15,000 benefit

Spouse’s Age Non-Tobacco User Tobacco User
<30 $1.40 $2.05
30 – 39 $2.19 $3.40
40 – 49 $4.30 $6.87
50 – 59 $8.46 $13.75
60 – 64 $12.51 $20.43
65 – 69 $16.66 $27.25
70+ $23.45 $38.47