Critical Illness Plan

The critical illness plan pays a lump-sum benefit that can be used to help cover out-of-pocket expenses related to eligible critical illnesses/diseases. Benefits are non-taxable and do not coordinate with other types of benefits you may receive. You’ll receive a check payable to you.

Your insurance provider is Allstate Workplace Division (AWD). To learn more, click here.

Below is a sample of the benefits that are payable under the policy. Click here to review the limitations and exclusions, and the full set of coverage provisions.

Coverage Amounts

Coverage amounts are available in increments of $10,000 up to a maximum of $50,000. A spouse/domestic partner is eligible for 100% of the employee benefit. Child coverage amounts are 50% of the employee benefit.

Benefit Amounts

The plan will pay a specified percentage of the category coverage amount selected for covered illnesses/diseases. Benefits continue until a maximum of 200% of the basic benefit amount is reached.

Beginning in 2017 there will be no maximum benefit for the Critical Illness plan.

Here are the benefits that are payable under this policy:


Coverage Category Benefit Payable
Medical Screening$75 per year
Post-Traumatic Stress Disorder (PTSD) Counseling$100 per day (up to six days per year) for PTSD counseling
Heart Attack, Stroke100%
Coronary Artery Bypass Surgery100%
Cancer (Invasive Cancer)100%
Cancer (Carcinoma in situ)25%
End Stage Renal Failure100%
Specified Diseases: Addison’s Disease, Amyotrophic Lateral Sclerosis, Cerebrospinal Meningitis, Cerebral Palsy, Cystic Fibrosis, Diphtheria, Encephalitis, Huntington’s Chorea, Legionnaires' Disease, Malaria, Multiple Sclerosis, Muscular Dystrophy, Myasthenia Gravis, Necrotizing Fasciitis, Osteomyelitis, Poliomyelitis, Rabies, Sickle Cell Anemia, Systemic Lupus, Systemic Sclerosis, Tetanus, Tuberculosis25%