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?
Aflac Group Critical Illness Insurance can help you by paying a lump sum benefit to help cover your out-of-pocket medical costs, including deductibles, copays, and cost-shares or pay daily living expenses such as grocery bills, mortgage payments, transportation costs, etc.
You, your spouse and eligible children qualify for this coverage.
* American Heart Association/American Stroke Association, “Heart Disease and Stroke Statistics 2017,” http://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.
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.
Continental American Insurance Company • Columbia, South Carolina
This is a brief product overview only. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.
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 Group Critical Illness insurance plans are designed to provide you with cash benefits, such as the following:
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 plan's 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.