Frequently asked questions about Juno
At Juno, we envision a world where every parent has the support and resources they need for their children to reach their full potential.
We’ve put together our most frequently asked questions to help you understand more about Juno and how it can make a difference for families and employers.
What is Juno?+
Juno is a new kind of financial protection for your family. If your child experiences a qualifying new severe illness or disability after your coverage begins, Juno provides long-term monthly benefits along with a dedicated navigator to help your family manage day-to-day challenges. It is significant, long-term support designed to help you handle the practical and financial realities of caring for a child with a serious condition.
Is Juno right for my family?+
If your child faces a severe illness or disability, your family's daily life can change in an instant. You or your spouse may have to make incredibly difficult trade-offs between continuing your careers or dedicating your time to your child's care.
Juno is built to protect your financial stability. By providing a reliable stream of monthly payments, we help empower you with flexibility and choice, whether that means taking time away from work to focus entirely on your child, or bringing in specialized care so you can balance caregiving and your career. No matter what you decide, Juno is here to support you and your family.
Is this the same as health insurance?+
No. Your health insurance is essential for paying medical expenses. Juno is different. It's a disability benefit that provides monthly payments directly to you, helping you cover the wide range of costs that health insurance doesn't cover, from specialized care and travel for treatment to dedicated caregiving support.
Who is covered?+
All of your eligible children are automatically covered under one family price, from birth up to age 26. This includes your biological, adopted, foster, and step children. If you are expecting your first child, you should enroll as soon as possible to ensure they are protected from birth once your coverage begins.
What does Juno cover?+
Juno provides benefits for a broad range of severe conditions and situations. A child can qualify in three ways:
- A new diagnosis of one of hundreds of listed conditions, including cancer, cystic fibrosis, Down syndrome, and muscular dystrophy
- Hospitalizations beyond 30 days
- Cases of severe medical complexity or disability, including disability from injuries and accidents
What does Juno not cover?+
Juno protects your family against the financial costs of a child's new, long-term, severe conditions. It does not cover temporary injuries, conditions that started before your coverage, or less severe illnesses that, while challenging for a family, do not require intensive, long-term caregiving support.
Why does Juno focus on severe, long-term conditions?+
By focusing exclusively on severe, long-term conditions, Juno can offer much larger monthly payments than plans built for the short-term. While other insurance provides a single, one-time payout, Juno's ongoing monthly benefit is built to keep your family financially supported through an extended caregiving journey.
How long do the monthly payments last?+
Monthly payments continue for as long as the child's condition qualifies, up to the policy's lifetime maximum. Because Juno pays out monthly rather than in a single lump sum, the benefit is structured to provide steady, reliable financial support that can span over years to help your family navigate a long-term caregiving journey.
What support is provided by the dedicated navigator?+
While your family receives monthly benefits, your dedicated navigator is available to provide personalized, one-on-one guidance to help your family manage the practical and logistical challenges of a serious health condition. Their support can include:
- Helping you navigate the healthcare system, such as by coordinating care and medical records across multiple specialized medical teams.
- Managing the logistics of treatment, like researching travel or finding specialized equipment.
- Connecting you with valuable resources, like community programs or support groups.
- Helping you work with your child's school to establish an Individualized Education Program (IEP) to ensure your child gets the accommodations they need.
Is there a waiting period before benefits begin?+
No. Your coverage is active on day one. Some specific benefits do have duration requirements, such as a continuous 30-day hospital stay for the long-term hospitalization benefit.
What if my child was diagnosed prior to coverage?+
Juno covers conditions that begin after your coverage starts. If your child already has a health condition, Juno still covers them for any qualifying new conditions that are not a direct result of that prior illness. For example, if your child had a heart condition before your coverage began, they would still be fully eligible for benefits if they were later injured in a serious accident.
What happens if I leave my job?+
Your coverage ends at the end of the month you leave your employer. However, if your child is already receiving benefits, your monthly payments and navigator support will continue for as long as your child continues to qualify. Please note that employer-sponsored coverage is not portable and cannot be converted to an individual policy.
How do I file a claim?+
If your child is facing a severe illness or disability, the last thing you should have to worry about is fighting with insurance. Our goal is to make getting your Juno benefits the easiest part of caring for your child.
If you need to start a claim or have any questions, please reach out to our dedicated claims team at our administrator, Davies Life and Health, at (833) 833-0609 or junoclaims@us.davies-group.com. They will walk you through the required paperwork and guide you every step of the way.
What is Juno?+
Juno is a first-of-its-kind child disability insurance that helps leading employers attract, retain, and financially protect employees throughout parenthood, especially mothers whose careers are most at risk. While Juno provides a safety net for all parents and can provide life-changing benefits, it also delivers an ROI for employers by creating new pathways for employees who are impacted by a severe child illness or disability.
What is the Juno benefit?+
Benefits include cash payments plus personalized family support if a child up to age 26 becomes severely ill or disabled. Parents can use the cash for anything, such as caregiving support, or to leave the workforce with financial security to become a full-time caregiver.
Why do employers offer Juno?+
Leading employers offer Juno to fill a gap in financial protection for a large part of their population and demonstrate care for their employees and their families. If you would like to hear a Total Rewards executive talking about the benefits of Juno, along with her personal story, please see this video.
What size organizations can offer Juno?+
Juno supports employers with 200 or more employees. Companies below this threshold can get Juno through a PEO partner; if you are a part of a PEO or considering joining a PEO, ask your PEO about Juno today.
What does Juno do for employees without children?+
Nearly half of all employees are parents, and more than 90% of employees are or plan to become parents by age 45. Juno protects employees from financial hardships due to a child’s severe illness or disability. This includes employees who might become parents in the future due to the birth, adoption, or fostering of a child or a marriage to a parent who already has children. Even for employees who may never have kids, the impact of a coworker’s child with a severe disability has a lasting effect on a team’s productivity and morale, and how a company helps employees in need reverberates across an organization.
Can I offer Juno as a voluntary benefit?+
Yes. We have the flexibility to support a variety of funding and enrollment methods, including voluntary plans where the cost is passed to employees via payroll deductions.
We have a good medical plan. Why do we need Juno?+
Juno complements medical insurance with tax-advantaged cash benefits your employees can use for anything they need if their child becomes severely ill or disabled. For example, they can use the benefit to replace lost wages from taking time off work, hire a caregiver, or pay for uncovered medical expenses. Some people decide to leave the workforce to become a full-time caregiver for their child, and benefits continue if they do. Juno helps give your employees the financial support and flexibility to choose what’s best for their family.
How is Juno different from critical illness, hospital, and accident policies?+
Juno provides significantly larger, long-term cash benefits. It is also specifically designed to cover anything that causes severe disability or illness in children and young adults. In addition, Juno provides personalized family support alongside cash benefits.
Is Juno easy to implement?+
Yes. Juno is similar to group Life and Long-term Disability. Employers can implement Juno any time of year. For voluntary programs, employees enroll annually through your core benefits system. We also provide a number of internal communication and marketing resources to make it easy to share this powerful new benefit with your employees.
Can my broker work with Juno?+
Yes. Juno partners with leading brokers and consultants throughout the country.
How can I contact Juno with questions?+
You can reach our sales team at sales@junokids.com. For billing inquiries, please call us at (833) 833-0609 or send a note to billing@junokids.com.
Want Juno for your family?
Juno is only available through your employer or union. Send us a note and we'll reach out to your organization.