Overview

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, $20,000, or $30,000 and 50% of that for spouse.
Your benefit is paid directly to you (unless otherwise assigned) in in addition to your medical insurance.
You pay an employee group rate. Group rates can be found below.
You’re guaranteed issue provided you enroll during the Enrollment Period.
You may continue your coverage if you leave your employer (certain stipulations apply).

You, your spouse and eligible children qualify for this coverage.

Enrollment

Visit Aflac

NOTE: Enrollment is limited to the annual open enrollment period or within 31 days of the hire date.

Contact Us

Phone:
1-800-433-3036

How It Works

Learn More

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

Critical Illness Brochure

Critical Illness Heart Benefits

Critical Illness Rate Chart

FAQs

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

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Who is the provider?

Aflac

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 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.
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.