Group Critical Illness - Full-Time

Group Critical Illness - Full-Time  

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 between $5,000 and $30,000.
  • Your benefit is paid directly to you (unless otherwise assigned) in addition to your medical insurance.
  • Guaranteed-issue with no medical exam if you enroll within the first 30 days of hire or during Open Enrollment.
  • You may continue your coverage if you leave your employer (certain stipulations apply).
  • Spouse and eligible children also qualify for this coverage.

 

Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack, stroke, major organ transplant, or have coronary artery bypass surgery.

 

RATES

Biweekly (26pp/yr)

NONTOBACCO – Associate

Issue Age

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

18-25

$1.87

$2.70

$3.52

$4.35

$5.17

$5.99

26-30

$2.16

$3.27

$4.39

$5.50

$6.61

$7.72

31-35

$2.35

$3.65

$4.95

$6.26

$7.56

$8.86

36-40

$2.77

$4.48

$6.20

$7.92

$9.63

$11.35

41-45

$3.15

$5.25

$7.35

$9.45

$11.55

$13.65

46-50

$3.59

$6.13

$8.67

$11.20

$13.74

$16.28

51-55

$5.04

$9.03

$13.03

$17.02

$21.01

$25.00

56-60

$4.95

$8.84

$12.74

$16.63

$20.53

$24.42

61-65

$9.14

$17.24

$25.33

$33.42

$41.52

$49.61

66+

$15.38

$29.72

$44.05

$58.38

$72.72

$87.05

 

NONTOBACCO – Spouse

Issue Age

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

18-25

$1.74

$2.43

$3.13

$3.82

$4.51

$5.20

26-30

$2.03

$3.01

$3.99

$4.97

$5.95

$6.93

31-35

$2.22

$3.39

$4.56

$5.73

$6.90

$8.07

36-40

$2.64

$4.22

$5.81

$7.39

$8.98

$10.56

41-45

$3.02

$4.99

$6.96

$8.92

$10.89

$12.86

46-50

$3.46

$5.86

$8.27

$10.68

$13.08

$15.49

51-55

$4.91

$8.77

$12.63

$16.48

$20.34

$24.20

56-60

$4.81

$8.57

$12.33

$16.10

$19.86

$23.62

61-65

$9.01

$16.97

$24.93

$32.90

$40.86

$48.82

66+

$15.25

$29.45

$43.65

$57.86

$72.06

$86.26


Semimonthly (24pp/yr)

NONTOBACCO – Associate

Issue Age

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

18-25

$2.03

$2.93

$3.82

$4.71

$5.60

$6.50

26-30

$2.35

$3.55

$4.76

$5.96

$7.17

$8.37

31-35

$2.55

$3.96

$5.37

$6.78

$8.19

$9.60

36-40

$3.00

$4.86

$6.72

$8.58

$10.44

$12.30

41-45

$3.42

$5.69

$7.97

$10.24

$12.52

$14.79

46-50

$3.89

$6.64

$9.39

$12.14

$14.89

$17.64

51-55

$5.47

$9.79

$14.12

$18.44

$22.77

$27.09

56-60

$5.36

$9.58

$13.80

$18.02

$22.24

$26.46

61-65

$9.91

$18.68

$27.44

$36.21

$44.98

$53.75

66+

$16.67

$32.20

$47.72

$63.25

$78.78

$94.31

 

NONTOBACCO – Spouse

Issue Age

$5,000

$10,000

$15,000

$20,000

$25,000

$30,000

18-25

$1.89

$2.64

$3.39

$4.14

$4.89

$5.64

26-30

$2.20

$3.27

$4.33

$5.39

$6.45

$7.52

31-35

$2.41

$3.68

$4.94

$6.21

$7.48

$8.75

36-40

$2.86

$4.58

$6.29

$8.01

$9.73

$11.45

41-45

$3.27

$5.41

$7.54

$9.67

$11.80

$13.94

46-50

$3.75

$6.36

$8.96

$11.57

$14.18

$16.79

51-55

$5.32

$9.50

$13.68

$17.86

$22.04

$26.22

56-60

$5.22

$9.29

$13.37

$17.44

$21.52

$25.59

61-65

$9.77

$18.39

$27.02

$35.64

$44.27

$52.89

66+

$16.53

$31.91

$47.30

$62.68

$78.07

$93.45

 

  • Rates include cancer benefit.
  • Rates include: $125 Health Screening Benefit, Benign Brain Tumor 100%, Advanced Alzheimer’s Disease 100%, Advanced Parkinson’s Disease 100%, and other additional riders.
  • For Tobacco rates, call 1-800-906-8789.
  • Children are covered at 50% at no additional cost to the Associate.
     

 

AGC2001101R2                                                                                                                                      EXP 10/22

Enrollment

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

 Phone
1-800-906-8789
 Hours
 M-F 6a-3p PT
 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 Insurance Guide
Critical Illness Insurance Guide (Español)

 

The following services are only available to enrollees in an Aflac group plan.

 

Health Advocate
Medical Bill Saver
MeMD Telemedicine Services

FAQs

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

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  • Who is the provider?

    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 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 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.

  • 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, or major organ transplant.

  • Will my rates increase as I get older or if I file a claim?
    Your rates will not increase due to health or individual claims.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.
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