We have offered CI coverage since 2006! We/employer fully pay the premiums each month, so it is a taxable benefit to our employees, however I have had I think 6 staff successfully submit claims over the years. Not a ton of claims, however, that coverage was very helpful to them during the difficult time they were going through with illness. The tough part for support I think would be if it was fully employee paid premiums as the premiums are dependant on age, gender and smoking status. I have staff whose premiums are as little as $15 per month and staff who are $150 per month dependant on those factors.