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.
You, your spouse/domestic partner, and eligible children qualify for this coverage.
Thanks to your employer’s group rates, you could pay less for this insurance than you would for individual insurance you’d find on your own.
Non-Tobacco |
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Plan 1 – Weekly Premiums |
Plan 2 – Weekly Premiums |
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Age |
EE, EE+CH |
EE+SP, F |
EE, EE+CH |
EE+SP, F |
18-29 |
$1.16 |
$1.89 |
$2.04 |
$3.20 |
30-39 |
$2.04 |
$3.20 |
$3.79 |
$5.82 |
40-49 |
$3.71 |
$5.70 |
$7.12 |
$10.82 |
50-59 |
$6.52 |
$9.92 |
$12.76 |
$19.27 |
60-63 |
$10.55 |
$15.97 |
$20.81 |
$31.35 |
64+ |
$13.79 |
$20.82 |
$27.28 |
$41.07 |
Tobacco |
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18-29 |
$1.69 |
$2.68 |
$3.09 |
$4.78 |
30-39 |
$3.14 |
$4.85 |
$5.99 |
$9.12 |
40-49 |
$6.50 |
$9.89 |
$12.71 |
$19.21 |
50-59 |
$10.94 |
$16.56 |
$21.60 |
$32.54 |
60-63 |
$17.99 |
$27.14 |
$35.69 |
$53.69 |
64+ |
$23.76 |
$35.78 |
$47.22 |
$70.97 |
EE = Employee, EE+SP = Employee + Spouse/DP, EE + CH = Employee + Child(ren), F = Family
* 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 is limited to the company’s annual enrollment period.
Visit CATbenefitscenter.com or call 1-877-228-4010.
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Critical Illness Insurance Summary |
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Allstate Benefits
A leading provider of employee benefits.
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.
How can this help me?
The plan 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. Allstate critical illness insurance plans are designed to provide you with cash benefits, such as the following:
Who is eligible?
When can I enroll?
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, if available, 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?
Will I have to take a medical exam to get this coverage?
This coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).