Having a Critical Illness policy may help you pay for expenses you could incur when diagnosed with a covered illness such as a heart attack, stroke, coma, major organ failure and possibly cancer.
In general, under a Group Critical Illness policy you can receive a lump-sum benefit payment upon diagnosis of the covered condition to use as you see fit. For example, if you elect to have a $10,000 policy amount and experience a stroke you could receive the full $10,000. This benefit can be used to help offset your income, pay for deductibles and copayments, apply towards your regular living expenses, or even pay for transportation so your loved ones can be with you.
In addition, the policy you elect can be used for each covered condition as long as the allowable period of time has been met between the diagnoses of each condition. Each condition is payable once per lifetime. Depending on your plan options, you may also add Cancer as an additional covered condition. Spouse and Dependent coverage is also available.
This policy also pays a $50 Wellness Benefit for each covered individual per year if a covered health screening is performed: blood tests, chest x-rays, stress tests, mammograms, colonoscopies.
This is your policy, therefore coverage is portable. You can take this coverage with you if you leave or retire without having to answer health questions.
Employees may enroll in up to $30,000 in employee coverage and up to $15,000 in spousal coverage without answering medical questions. At open enrollment.
Please review the plan documents to see details on the coverage options available including a full list of covered conditions.
Benefits Provided by Aflac
Contacting AFLAC
- Call Center 8:00 a.m. to 8 p.m. Eastern Time, Monday – Friday: 1-800-433-3036
- Customer Service Center: cscmail@aflac.com
- Visit Website: https://aflacgroupinsurance.com/customer_service/