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. The critical illness plan is administered and underwritten by American Heritage Life Insurance Company, a subsidiary of the Allstate Corporation. 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 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(ren) coverage amounts are 50% of the employee benefit. Benefits are non-taxable and do not coordinate with other types of benefits you may receive. You’ll receive a check payable to you.
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, Stroke||100%|
|Coronary Artery Bypass Surgery||100%|
|Cancer (Invasive Cancer)||100%|
|Cancer (Carcinoma in situ)||25%|
|End Stage Renal Failure||100%|
|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, Tuberculosis||25%|