Group Critical Illness Insurance

Group Critical Illness Insurance  


Heart attack, stroke, and cancer are examples of common critical illnesses that often lead to unexpected medical bills. If you are being treated for such a 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.


Tell Me More

  • You can choose among a lump sum cash benefit of $10,000 or $20,000.
  • Your benefit is paid directly to you (unless otherwise assigned) in addition to your medical insurance.
  • You pay an employee group rate. Your premium is conveniently deducted from your paycheck.
  • 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. Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack, stroke, cancer, major organ transplant, end stage renal failure or have coronary artery bypass surgery.


You are eligible to enroll during any qualifying event (new hires, life events) or during the voluntary open enrollment period.


To enroll, call 1-800-698-2849, or click the “Enroll Now” button below.




For questions surrounding the plan and the COVID-19 virus, call the Aflac Customer Service Center M-F, 7a-7p CT at 1-800-433-3036.


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


Group Critical Illness Guide
Rate Chart
Claim Form
Customer Service Website


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

  • Who is the provider?

    Aflac. 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. 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.


    Continental American Insurance Company • Columbia, South Carolina


    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.


    In Arkansas, Policy CAI2800AR or C21100AR. In Idaho, Policy CAI2800ID or C21100ID. In New York, Policy AF2800NY. In Oklahoma, Policy CAI2800OK or C21100OK. In Oregon, CAI2800OR or C21100OR. In Pennsylvania, CAI2800PA 12-10 or C21100PA. In Texas, CAI2800TXrev or C21100TX. In Virginia, CAI2800VA or C21100VA.

  • 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 critical illness insurance plans are designed to provide you with cash benefits, such as the following:

    • Pays 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 policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

  • What serious illnesses and diseases am I covered for?

    Once you’re enrolled in this coverage, you’ll have extra financial protection if you have a heart attack, stroke, major organ transplant, end stage renal failure or are diagnosed with heart or coronary artery disease.

  • Will my rates increase as I get older or if I file a claim?

    Your rates will not increase due to age, health or individual claims.

Contact Us

Cook County Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 8a-5p CT
Mercer's Role & Compensation

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