Allstate Benefits is a leading provider of employee benefits. They are committed to delivering superior products and services with cutting-edge technology, exceptional customer service and compassionate claims administration. With over 40,000 groups in force and insuring more than three million employees, they uphold the GoodHands® promise every day.

 

Allstate Benefits is the marketing name of American Heritage Life Insurance Company, the underwriting company, and a subsidiary of The Allstate Corporation.

If you are faced with a period of unexpected sickness or off-the-job injury, you will receive cash benefits to use as you see fit. This could include medical treatments, daily living expenses and more.

 

You choose a monthly benefit up to the guaranteed issue benefit. Please see the additional descriptions below.

 

 

 

• Total Disability Benefit: Allstate Benefits pays the monthly benefit amount after the elimination period if they receive sufficient proof that you are totally disabled. Benefits will not continue beyond the maximum benefit period for total disability.
• Partial Disability Benefit: Allstate Benefits pays 50% of the monthly benefit if they receive sufficient proof that you are partially disabled. Benefits paid under this benefit count towards your maximum benefit period.
• Concurrent Disability: During any period in which you are disabled due to more than one cause, benefits will be paid as if you are disabled due to only one cause. In no event will being disabled due to more than one cause extend the time for which benefits will be paid under the maximum benefit period.
• Recurrent Disability: If you have a recurrent disability, Allstate Benefits will treat the disability as part of the prior claim and another elimination period will not have to be completed if you were continuously insured under the policy for the period between the prior claim and the recurrent disability. Your recurrent disability will be subject to the same terms as your prior claim.

 

 

 

If you enroll during the voluntary open enrollment, there will be no medical questions to answer and coverage will be provided on a Guaranteed Issue basis. Should you choose to enroll after the initial eligibility period, without a Qualified Life Event, regular Evidence of Insurability (EOI) will apply (for example, next year’s open enrollment).

 

 

 

Allstate Benefits does not pay for disabilities during the first 12 months of coverage due to a pre-existing condition.

Benefits start the first day after the Elimination Period when you are totally disabled and cannot work. You must be an active employee on the date your disability occurs for disability benefits to be payable.

Your monthly disability benefit may be reduced if you receive disability payments from other deductible sources of income that include individual disability income policies, other group insurance coverage, paid time off, salary continuation, sick leave, or state or federal disability benefits.

 

 

 

You can obtain a claim form by visiting the Allstate Benefits website at https://www.allstatebenefits.com/Individuals/Resources or by calling Allstate Benefits at 1-800-521-3535.