Critical Illness

Critical Illness  

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?

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.

  • Pays a lump sum cash benefit of $10,000, $15,000 or $20,000 for employees. Spouse coverage is also available in benefit amounts of $5,000, $7,500 or $10,000, not to exceed one half of the employee's amount.
  • Your benefit is paid directly to you, unless otherwise assigned, in addition to your medical insurance. Additional benefits include: Covered Critical Illnesses: Cancer, Heart Attack, Stroke, Major Organ Transplant, End‐Stage Renal Failure, Carcinoma In Situ, Coronary Artery Bypass Surgery, and Skin Cancer. This plan also includes a Mammography Benefit and a Health Screening Benefit.
  • You pay an employee group rate priced to fit most budgets. Biweekly group rates are: $2.75 for nontobacco employees ages 18-29 who select $10,000 coverage, $1.78 for nontobacco spouses 18-29 who select $5,000 coverage.
  • Coverage is guaranteed-issue provided you enroll during the Enrollment Period.          
  • Portable—you can keep your insurance if you leave your employer with the portability option (with certain stipulations).

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.

Enrollment

Note: To enroll in this benefit outside of the open enrollment period, please call 1-855-569-2887.

 

Contact Us

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-855-569-2887
 Hours
 M-F 8a-5p CT
 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.

    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:

    • 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 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.

Forms

Critical Illness - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.