2021 | Critical Illness Insurance | Voluntary Benefits
Allstate Benefits Group Voluntary Critical Illness Insurance

Highlights

Only Available During Open Enrollment

You must meet with a Benefit Counselor to enroll in this benefit.

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How It Works 

Plan features

The basic benefit amounts available are $10,000 – $25,000 (in $5,000 increments) on a Guaranteed Issue basis. Amounts in excess of $25,000 up to $100,000 are available but subject to underwriting guidelines (see an enrollment specialist for details). Up to 100% is payable for covered illnesses from each of Category 1, Category 2, and Category 3 as illustrated below. You choose the amount that best fits you and your family’s needs.

Subject to the conditions in the policy and the Pre-existing Condition Limitation, Allstate Benefits pays this benefit if you are diagnosed for the first time ever with one of the illnesses shown below if:

  • The date of the diagnosis is after the policy date and
  • The date of diagnosis is while the policy is in force and
  • That illness is not excluded by name or specific description in the policy; or
  • It is determined, as the result of an autopsy, that the insured died as the result of one of the specified critical illnesses listed in the chart.

The amount payable for each illness is the percentage multiplied by the basic benefit amount selected. The percentage of the basic benefit amount payable for each illness is shown beside the illness. The maximum total percentage of the basic benefit amount payable per category of the illnesses is shown in the last column of the chart. The policy remains in force after a benefit is paid for an illness. However, after 100% of the basic benefit amount has been paid within a category (Category 1, 2, or 3), no more benefits are paid for illnesses associated within that category for a covered person. If you receive a percentage of the basic benefit amount for one illness within a category, and then become eligible for benefits for another illness within the same category, the percentage of the basic benefit amount you receive for the subsequent illness is the lesser of:

  • The percentage of the basic benefit amount shown on the chart below for that illness or
  • 100% minus the percentage of the basic benefit amount you received for the previous illness(es) in that category.
  • Covered Spouse and children basic benefit amount is 50% of benefit shown and 100% of the Wellness Benefit.

Allstate Benefits pays this benefit if an insured is diagnosed more than once with the same specified critical illness listed in Category 1 or 2 for which a benefit was previously paid if: there is more than 18 months between each diagnosis; and treatment was not received during that 18 month period (for purposes of the preceding statement, treatment does not include medications and follow-up visits to the insured’s physician); and the subsequent date of diagnosis is while coverage is in force; and the specified critical illness is not excluded by name or specific description in the policy and certificate.

We will pay an amount equal to 25% of the specified critical illness basic benefit amount previously paid for that specified critical illness. We will pay no more than one recurrence benefit per previously paid specified critical illness under Category 1 and 2.

Benefit Category 1 – Group Critical Illness Coverage

ILLNESS Percentage of the Basic Benefit Amount Maximum Total Percentage of Basic Benefit Amount for Category
Heart Attack 100% 100%
Heart Transplant 100% 100%
Stroke 100% 100%
Coronary Artery By-Pass Surgery 25% 25%

Benefit Category 2 – Group Critical Illness Coverage

ILLNESS Percentage of the Basic Benefit Amount Maximum Total Percentage of Basic Benefit Amount for Category
Major Organ Transplant (other than heart) 100% 100%
End Stage Renal Failure 100% 100%
Paralysis (2 or more limbs, not as a result of a stroke) 100% 100%
Alzheimer's Disease 25% 25%

Benefit Category 3 – Cancer Coverage

ILLNESS Percentage of the Basic Benefit Amount Maximum Total Percentage of Basic Benefit Amount for Category
Invasive Cancer 100% 100%
Carcinoma in Situ 25% 25%

Policy GVCIP1

Exclusions and limitations

Allstate Benefits does not pay for any loss due to a pre-existing condition, as defined, during the 12-month period beginning on the date the employee or member became insured. A pre-existing condition is a disease or physical condition for which symptoms existed within the 12-month period prior to the effective date of coverage; or medical advice or treatment was recommended or received from a member of the medical profession within the 12-month period prior to the effective date of coverage. The exception to the above would be for follow-up care for breast cancer. Routine follow-up care for a person who has been previously determined to be free of breast cancer does not constitute medical advice, diagnosis, care or treatment unless evidence of breast cancer is found during, or as a result of, the follow-up care. A pre-existing condition can exist even though a diagnosis has not yet been made.

Allstate Benefits does not pay benefits for an illness due to, or resulting from, (directly or indirectly): any act of war, whether or not declared, participation in a riot, insurrection or rebellion; or intentionally self-inflicted injuries; or injury incurred while engaging in an illegal occupation or committing or attempting to commit a felony; or attempted suicide, while sane or insane; or any injury sustained while under the influence of alcohol, narcotics or any other controlled substance or drug unless administered upon the advice of a physician; or participation in any form of aeronautics except as a fare paying passenger in a licensed aircraft provided by a common carrier and operating between definitely established airports; or alcohol abuse or alcoholism, drug addiction or dependence upon any controlled substance.

Policy provider

The coverage is provided by limited benefit supplemental insurance. This material is valid as long as information remains current, but in no event later than February 1, 2021. Group Critical Illness benefits provided by policy form GVCIP1, or state variations thereof, which provides stated benefits for specified illnesses. The policy does not provide benefits for any other sickness or condition. The policy is not a Medicare Supplement Policy. This brochure highlights some features of the policy but is not the insurance contract. Only the actual policy provisions control.

Allstate Benefits is the marketing name for American Heritage Life Insurance Company (Home Office: Jacksonville, FL), a subsidiary of The Allstate Corporation. American Heritage Life Insurance Company underwrites the policy and riders. The coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Benefits are provided by Policy GVCIP1FL.

Wellness Benefit

(Cancer Screenings or Heart Screenings)

Allstate Benefits pays $100 for each calendar year per insured, for one of the following cancer screening tests or heart screening tests performed while not hospital confined:

  • Bone Marrow Testing
  • CA15-3 (blood test for breast cancer)
  • CA125 (blood test for ovarian cancer)
  • CEA (blood test for colon cancer)
  • Chest X-ray
  • Colonoscopy
  • Flexible sigmoidoscopy
  • Hemoccult stool analysis
  • Mammography, including breast ultrasound
  • Pap Smear, including ThinPrep Pap Test
  • PSA (blood test for prostate cancer)
  • Serum Protein Electrophoresis (test for myeloma)
  • Biopsy for skin cancer
  • Stress test on bike or treadmill
  • Electrocardiogram (EKG)
  • Carotid doppler
  • Echocardiogram
  • Lipid panel (total cholesterol count)
  • Blood test for triglycerides.

There is no limit to the number of years a covered person can receive cancer screening tests. This benefit is paid regardless of the result of the test(s) and is limited to one test per calendar year per insured.

Click here to access the Allstate Benefits Wellness Claim form.