Critical Illness Insurance

Critical Illness Insurance  

Overview

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 can choose among a lump sum cash benefit of $10,000 or $20,000.
  • Your benefit is paid directly to you in addition to your medical insurance. Additional benefits include: Wellness feature which pays a benefit of $50 for every covered family member, once per person per year, for completing one of the following covered wellness exams - chest X-ray, colonoscopy, mammogram, blood test for triglycerides, echo-cardiogram, lipid panel and more.
  • Affordable employee discounted group rate. Your premium is conveniently deducted from your paycheck.
  • You’re guaranteed acceptance provided you enroll during the Enrollment Period.          
  • Portable—you can keep your insurance if you leave your employer with the portability option.

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.

Enrollment

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

By clicking enroll now you can accept/decline coverage for all three supplemental health insurance plans available to you: Critical Illness, Accident, and Hospital Indemnity insurance plans.

Login Credentials:
Employee Number: Enter your SSN
PIN: Use last 4 digits of your SSN and the last two digits of your birth year

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-866-701-7439
 Hours
 M-F 9a-6p
 Email
customer.service@mercer.com

How It Works

Claim Information

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

 

My Benefits Flyer
Critical Illness Claim Form
Wellness Claim Form

FAQs

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:

    • 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 or if you experience a qualified 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 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.

Client Disclaimer

 

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. 

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.