Group Critical Illness Insurance

Group Critical Illness Insurance  

Overview

Every 40 seconds, someone in the U.S. has a heart attack or stroke.* And someone is diagnosed with cancer every 3 minutes.** If you are being treated for such critical illness, shouldn’t your primary focus be on getting well—not worrying about how to pay for your care?

Group Critical Illness Insurance can help you by paying a lump sum benefit to help cover your daily living expenses such as grocery bills, mortgage payments, transportation costs or pay for your out-of-pocket medical costs, including deductibles, copays, and cost-shares.

The Aflac group Critical Illness insurance plan can help with the treatment costs of covered critical illnesses, such as a heart attack, or a stroke. More importantly, the plan helps you focus on recuperation instead of the distraction and stress over the costs of medical and personal bills. With group Critical Illness insurance from Aflac, you receive cash benefits directly (unless otherwise assigned)—giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

 

Benefits payable for:

  • Cancer
  • Heart Attack (Myocardial Infarction)
  • Stroke
  • Major Organ Transplant
  • End-Stage Renal Failure
  • Coronary Artery Bypass Surgery
  • Carcinoma In Situ
  • A $50 Health Screening Benefit is included in the plan
  • Child coverage is available at no cost.

 

Plan features:

  • Benefits are paid directly to you unless otherwise assigned.
  • Coverage is available for you, your spouse, and dependent children.
  • Coverage is portable (with certain stipulations). That means you can take it with you if you change jobs or retire.
  • Fast claims payment. Most claims are processed in about four days.
  • If you are deemed ineligible due to a previous medical condition, you still retain the ability to purchase spouse coverage.

 

* American Heart Association/American Stroke Association, “Heart Disease and Stroke Statistics 2017,” https://www.heart.org/idc/groups/ahamah-public/@wcm/@sop/@smd/documents/downloadable/ucm_491265.pdf

** National Cancer Institute, National Institutes of Health, “Cancer Statistics,” viewed at https://www.cancer.gov/about-cancer/understanding/statistics. This is computed by their statistic: “In 2016, an estimated 1,685,210 new cases of cancer will be diagnosed in the United States,” divided by the number of minutes in a year, 525,600.

Enrollment

Note: You can enroll and dis-enroll during open enrollment or due to a qualified life event.

 

For enrollments outside of the annual enrollment period, please call 1-866-796-6291.

 

Coverage is effective July 1 - June 30.

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-866-796-6291
 Hours
 M-F 9a-6p ET
 Email
customer.service@mercer.com

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Aflac. Continental American Insurance Company (CAIC ), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

     

    Continental American Insurance Company • Columbia, South Carolina

     

    This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

     

    In Arkansas, Policy CAI2800AR or C21100AR. In Idaho, Policy CAI2800ID or C21100ID. In New York, Policy AF2800NY. In Oklahoma, Policy CAI2800OK or C21100OK. In Oregon, CAI2800OR or C21100OR. In Pennsylvania, CAI2800PA 12-10 or C21100PA. In Texas, CAI2800TXrev or C21100TX. In Virginia, CAI2800VA or C21100VA.

  • How can this help me?

    Aflac pays cash benefits directly to you, unless otherwise assigned. This means that you will have added financial resources to help with medical costs or ongoing living expenses. Aflac critical illness insurance plans are designed to provide you with cash benefits, such as the following:

    • Pays a lump sum cash benefit to help you cover out-of-pocket medical and other expenses caused by a critical illness.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.

  • What if my employment status changes ?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

  • What serious illnesses and diseases am I covered for?

    Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack, stroke, major organ transplant, end stage renal failure or are diagnosed with heart or coronary artery disease.

  • Will my rates increase as I get older or if I file a claim?

    Your rates will not increase due to age, health or individual claims.

Group Critical Illness - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Critical Illness Insurance Rates
Critical Illness Brochure
Service Request Form
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.