Critical Illness Insurance

Critical Illness Insurance  


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.


  • Lump-sum benefits paid directly to the insured following the diagnosis of each covered critical illness
  • Guaranteed Issue – available for employee and spouse, subject to the participation requirement
  • Each dependent child is covered at 50 percent of the primary insured amount at no additional charge
  • Benefit amounts available for up to $30,000 for employees and $15,000 for spouse
  • The plan is portable, with certain stipulations
  • Level premium rates based upon the applicant's age as of the time of application. Rates can not be individually increased on a particular Insured due to a change in age, health or individual claim


Spouse coverage is also available in benefit amounts up to $15,000, not to exceed one half of the employee’s amount. Children are covered at 50% at no additional cost to the employee.

Semi Monthly Rates


* American Heart Association/American Stroke Association, “Heart Disease and Stroke Statistics 2017,”

** National Cancer Institute, National Institutes of Health, “Cancer Statistics,” viewed at 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.


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


Enroll Now


Please make note of these details to help you enroll.


Case ID: A795
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

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
M-F 9a-6p ET

How It Works


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


Critical Illness - Plan Overview
Semi-Monthly Rates


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

  • Who is the provider?


    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairland promptly, directly to the insured (unless assigned otherwise). For more than six decades, Aflac voluntary insurance policies have given policyholders 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 exclusion.

  • 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 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.
  • 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.