Group Critical Illness Insurance

Group Critical Illness Insurance  

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?

 

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.

 

* 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

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

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-866-795-0156
 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 - Brochure
Critical Illness - Rates
Critical Illness - Buy-Up Rates

FAQs

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

  • Who is the provider?

    Aflac

    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 fairly and promptly, directly to the insured (unless assigned otherwise). For more than six decades, Aflac supplemental 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 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.

  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

  • 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, unless you experience a qualifying life event.

  • 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 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 I have to take a medical exam to get this coverage?

    No! For the initial Open Enrollment period and for new hires added throughout the year, this coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).

  • 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.