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Life, Death & Disability Products

Life’s unexpected turns don’t have to affect your employees’ financial well-being. That’s why Blue Cross and Blue Shield of Illinois (BCBSIL) offers a variety of group insurance products and services to protect them and their loved ones.

Life Insurance

Life insurance provides for loved ones in the event of an untimely death. It can be one of the wisest decisions a person can make to protect those who financially depend on them.

Long-Term Disability

Long-Term Disability insurance provides a convenient, economical way of securing an income while an unexpected injury or illness prevents your employees from working.

Accidental Death and Dismemberment

Accidental Death and Dismemberment (AD&D) coverage pays additional benefits if a death or an injury occurs due to an accident.


Accident insurance provides cash directly to the insured individual for unexpected costs from an accidental injury.

Enhanced Solutions: Municipalities

Enhanced Solutions: Municipalities — Designed specifically for municipalities and their employees, these solutions are included in our standard products and services at no additional cost.

Short-Term Disability

Short-Term Disability plans pay benefits when sickness or injury prevents your employees from working full time.

Disability/Medical Integration

Our Disability/Medical Integration product eases the disability claim process, enabling faster decision making through sharing medical information and cooperation between clinical health advocates and the disability team. This product is available for groups with Medical/Health Advocacy and Disability coverage.

Critical Illness

Critical Illness insurance pays cash directly to the insured individual for unplanned expenses from a critical illness.

Hospital Indemnity

Hospital Indemnity Insurance provides cash directly to the insured individual for the unforeseen costs of a hospitalization.

Enhanced Solutions: Education

Enhanced Solutions: Education — We have designed benefits specifically for education professionals and have embedded them into our standard insurance products at no additional cost.

Ready to get started?
Let us know how we can help.

Contact a BCBSIL account representative for details on how our broad selection of insurance products and services can help protect your employees and their families.

Insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Illinois is the trade name of Dearborn Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association. BLUE CROSS®, BLUE SHIELD® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.