Every 40 seconds, someone in the U.S. has a heart attack or stroke.1 And someone is diagnosed with cancer every 3 minutes.2 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 and eligible children qualify for this coverage.
1 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
2 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.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
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:
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 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?
Your rates will not increase due to age, health or individual claims.
These policies and programs are not sponsored or otherwise endorsed by your employer. They are voluntary policies and programs that are not considered ERISA plans. It is your choice whether or not to enroll in these policies and programs.
The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued.
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.