Diagnosis Defense Plans: Financial Protection When You Need It Most

One diagnosis can disrupt everything—from your income to your long-term goals. At Illinois Benefit Advisory, our Diagnosis Defense Plan offers truly customizable living benefits designed to protect your lifestyle during some of life’s most difficult moments.

Whether it’s cancer, a heart attack, stroke, or another serious condition, our plans are tailored to fit you—covering gaps left by traditional insurance with flexible options for critical illness, critical care, home health, long/short term care, and more. This isn’t one-size-fits-all coverage. It’s a personal and personalized safety net, built to support your recovery and your future.

Critical Illness Coverage

Coverage for Major Critical Illnesses

Critical Care Coverage provides financial support upon the diagnosis of significant illnesses, including cancer, heart attack, stroke, etc.

These benefits are typically disbursed as a lump-sum payment, allowing you to allocate funds according to your specific needs during recovery. ​This not only allows you to choose your best path of treatment, but also protects your hard-earned retirement funds! We feel strongly that there's no reason that a diagnosis should derail your life more than it needs to!

Care Coverage

Home Health, Short-Term Care, & Long-Term Care

Our Diagnosis Defense Plans often include insurance types like Long-Term Care and Short-Term Care Insurance Plans . Each serves a unique purpose, and combining them can offer more comprehensive financial protection.​ We also commonly add in a Home Health rider when possible. This way you get to call the shots in your time of need without money getting in the way.

We're happy to give you personalized recommendations based on your health and needs.

Spending Payouts

Utilizing Benefits for Recovery and Living Expenses

The flexibility and personalization of a Diagnosis Defense Plan means that the cash benefit is paid directly to you—giving you the freedom to use it however it’s needed most. Some common ways clients choose to use their funds include:

  • Medical Expenses: Helping offset deductibles, copays, or treatments not covered by traditional insurance.
  • Living Costs: Covering everyday expenses like mortgage or rent, utilities, childcare, or groceries while you recover.
  • Rehabilitation & Recovery: Paying for physical therapy, travel to specialists, or in-home support services.

Because the benefit is paid in cash, you decide how it’s spent—ensuring that your recovery is supported on your terms, not dictated by a policy’s limitations.

How We Help

Personalizing Plans To Work Best For Your Lifestyle

We believe your coverage should fit your life—not the other way around. That’s why we take a personalized approach to all insurances we offer. Our team works closely with you to build protection that aligns with your lifestyle, values, and future goals. It's more than just insurance—it’s about safeguarding your financial future with thoughtful, tailored solutions that offer real peace of mind.

Frequently Asked Questions

Why Consider Critical Care Coverage?

Even with traditional health insurance, out-of-pocket expenses can be overwhelming. Critical Care Coverage offers:
✔ Lump-sum cash benefits to use as needed (medical bills, lost wages, home modifications, etc.).
✔ Flexible coverage options tailored to your health and financial situation.
✔ Protection for unexpected costs like travel expenses for specialized care.
✔ Peace of mind knowing you’re covered beyond your standard insurance plan.

What Does Critical Care Coverage Help With?

Critical Care Coverage provides financial support if you experience:

  • Cancer (including chemotherapy and radiation costs).
  • Heart Attack & Stroke (hospitalization, rehab, and ongoing care).
  • Major Organ Transplants & Renal Failure (dialysis, transplant procedures, and recovery expenses).
  • Other Serious Conditions that result in significant medical expenses.

Who Should Consider Critical Care Coverage?

✔ Anyone looking to protect their savings from unexpected medical costs.
✔ Individuals with high-deductible health insurance plans.
✔ Those with a family history of serious medical conditions.
✔ Anyone who wants financial flexibility in the event of a major illness.

How Does It Work?

1️⃣ Choose a coverage planthat fits your needs and budget.
2️⃣ If diagnosed with a covered critical illness,receive a lump-sum paymentdirectly.
3️⃣ Use the benefit however you choose—whether formedical expenses, household bills, or income replacement.