Powerful new financial protection for your family
One of our biggest worries as parents is that something will happen to our kids. A child's severe illness or disability is our largest uncovered financial risk.
The freedom to choose what matters most
Parents of children who are severely ill or disabled should be able to focus on caring for their children and themselves, not on making ends meet. Juno covers hundreds of severe conditions impacting children of all ages, including cystic fibrosis, Down syndrome, severe autism, and cancer, as well as severe disability from accidents and injuries.
Covers all children under age 26
Juno is inclusive of all family types, including adopted, foster, and step children. Juno also automatically covers any new children you might have in the future.
Monthly benefits for whatever you need
Juno makes payments directly to you each month. They can be used for anything: specialized caregiving, uncovered medical expenses, retrofitting your home, or whatever else your family needs.
Personalized family support
Along with monthly benefit payments, Juno provides one-on-one guidance to help you learn about your child's condition, apply for state and federal programs, find peer groups, identify caregivers, and plan for the future.
Benefits that stay
with you
As long as your child remains qualified, you continue to receive monthly payments up to the benefit limit, even if you choose to leave your employer.
Other features parents love
More about Juno
Some important things to know about child disability insurance.
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.
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.