Critical Illness Insurance

Critical Illness Insurance  

Overview

Heart attack and stroke are examples of common critical illnesses that often lead to unexpected medical bills. If you are being treated for such a 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.

 

Tell Me More

  • You can choose a lump sum cash benefit up to $30,000 for employees and $15,000 for spouse.
  • Your benefit is paid directly to you (unless otherwise assigned) in addition to your medical insurance.
  • You pay an employee group rate. Your premium is conveniently deducted from your paycheck.
  • Guaranteed-issue coverage is available during the Enrollment Period.
  • You may continue your coverage if you leave your employer (certain stipulations apply).
  • Who is eligible?
    • You — if you are an active employee
    • Your spouse — Coverage is available in benefit amounts up to $15,000, not to exceed one half of the employee’s amount
    • Your child(ren) — Child(ren) are covered at 50% at no additional cost to the employee

 

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 have coronary artery bypass surgery.

 

AGC2101678 R1 EXP 3/24

Enrollment

Add critical illness insurance to help offset expenses that may not be covered under your employer's existing medical insurance and disability plans.

 

CLICK HERE TO ENROLL

 

Please make note of these details to help you enroll.

 

Case ID: B580
User ID: Your User ID is your 9-digit Employee ID (include the leading zeros)
Password: Your password is your 4 digit year of birth

 

For example, if your Employee ID is 123456 and you were born on 5/11/1979, your sign-on would be:
User ID: 000123456
Password: 1979

Contact Us

Phone
1-866-250-4510
Hours
M-F 9a-6p ET
Email
employerbenefitsinquiries.service@mercer.com

How It Works

Forms

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

 

Critical Illness - Plan Overview

FAQs

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

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  • Who is the provider?

    Aflac

    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance plans have given insureds the opportunity to focus on recovery, not financial stress.

     

    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. 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.

     

    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.

  • 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 plans are designed to provide you with 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.

  • How much will this coverage cost?

    Employee, Non-Tobacco Monthly Premiums

    Age

    $10,000

    $20,000

    $30,000

    18-24

    $4.60

    $7.90

    $11.19

    25-29

    $5.90

    $10.49

    $15.08

    30-34

    $6.36

    $11.40

    $16.45

    35-39

    $8.54

    $15.76

    $22.99

    40-44

    $11.02

    $20.73

    $30.44

    45-49

    $14.72

    $28.12

    $41.53

    50-54

    $20.54

    $39.78

    $59.01

    55-59

    $26.55

    $51.79

    $77.02

    60-64

    $38.55

    $75.79

    $113.03

    65-69

    $48.68

    $96.05

    $143.42

    70+

    $48.68

    $96.05

    $143.42

     

    Spouse, Non-Tobacco Monthly Premiums

    Age

    $5,000

    $10,000

    $15,000

    18-24

    $2.72

    $4.13

    $5.54

    25-29

    $3.37

    $5.43

    $7.48

    30-34

    $3.60

    $5.88

    $8.17

    35-39

    $4.69

    $8.06

    $11.44

    40-44

    $5.93

    $10.54

    $15.16

    45-49

    $7.78

    $14.24

    $20.71

    50-54

    $10.69

    $20.07

    $29.45

    55-59

    $13.69

    $26.07

    $38.45

    60-64

    $19.69

    $38.08

    $56.46

    65-69

    $24.76

    $48.20

    $71.65

    70+

    $24.76

    $48.20

    $71.65

     

    Employee, Tobacco Monthly Premiums

    Age

    $10,000

    $20,000

    $30,000

    18-24

    $5.90

    $10.49

    $15.08

    25-29

    $7.42

    $13.52

    $19.63

    30-34

    $8.70

    $16.09

    $23.48

    35-39

    $12.52

    $23.72

    $34.93

    40-44

    $16.29

    $31.28

    $46.26

    45-49

    $22.04

    $42.77

    $63.50

    50-54

    $31.01

    $60.72

    $90.42

    55-59

    $42.44

    $83.57

    $124.70

    60-64

    $60.27

    $119.23

    $178.19

    65-69

    $73.04

    $144.76

    $216.49

    70+

    $73.04

    $144.76

    $216.49

     

    Spouse, Tobacco Monthly Premiums

    Age

    $5,000

    $10,000

    $15,000

    18-24

    $3.37

    $5.42

    $7.48

    25-29

    $4.12

    $6.94

    $9.75

    30-34

    $4.77

    $8.22

    $11.68

    35-39

    $6.68

    $12.04

    $17.41

    40-44

    $8.56

    $15.82

    $23.07

    45-49

    $11.44

    $21.56

    $31.69

    50-54

    $15.92

    $30.54

    $45.15

    55-59

    $21.64

    $41.96

    $62.29

    60-64

    $30.55

    $59.79

    $89.04

    65-69

    $36.94

    $72.56

    $108.19

    70+

    $36.94

    $72.56

    $108.19

     

    The premium and product availability indicated in this proposal are subject to change as a result of final underwriting.

  • 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 plans terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

  • 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.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.

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